长期护理保险：我国现状与国际经验

发布时间：2018-09-18 15:42

【摘要】：随着全球人口老龄化趋势的不断发展,世界上大多数国家面临因人口老龄化而带来的长期护理保险服务的需求,我国亦是如此。我国从21世纪初正式步入老龄化国家,随着高龄老人、失能老人的日益增加,同时伴随着家庭人口结构发生变化以及护理需求费用日趋上涨的现状,构建我国长期护理保险制度刻不容缓。本文开篇分析了长期护理保险制度在我国存在着巨大的需求缺口、阐释了我国商业长期护理保险的成长脉络,重点介绍了我国该制度试点城市的具体政策、运行效果及出现的问题,并通过对美国商业长期护理保险制度、德国社会长期护理保险制度中如何筹集资金、如何界定保险覆盖范围、如何进行待遇给付等主要内容进行了详细分析,总结出这两种制度的进展与不足。最后,笔者从自身实际工作经验出发,阐述出构建中国覆盖全体老年人群体的长期护理保险制度的启示和建议。
[Abstract]:With the continuous development of the global population aging trend, most countries in the world are facing the demand of long-term care insurance services brought by the aging of the population, and so is our country. China has formally stepped into an aging country since the beginning of the 21st century. With the increasing number of the elderly and the disabled, the population structure of the family has changed and the cost of nursing care has been increasing day by day. It is urgent to construct long-term nursing insurance system in China. At the beginning of this paper, the author analyzes the huge demand gap of the long term nursing insurance system in China, explains the growth of the commercial long term nursing insurance in China, and introduces the specific policies of the pilot cities of the long term nursing insurance system in our country. How to raise funds and how to define the coverage of the long-term care insurance system in German society, through the commercial long-term care insurance system in the United States, how to raise funds in the long-term care insurance system of German society, and how to define the scope of insurance coverage. How to carry on the treatment payment and so on main content has carried on the detailed analysis, summarized these two systems progress and the insufficiency. Finally, based on my own practical work experience, the author expounds the enlightenment and suggestions of constructing a long-term nursing insurance system covering all the elderly population in China.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F842.6

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