需求视角下的老年长期护理保险研究——基于浙江省17个县市的调查

发布时间：2019-04-02 05:59

【摘要】：老年长期护理保险(LTCI)是转移老年长期护理(LTC)风险的有效措施,但LTCI的探索体现为一个体系的构建。浙江省老龄化、经济和城镇化水平在我国均处前列,故本文选择有代表性的17个县市调查民众对LTCI的认知和需求。以期以小见大,对我国LTCI进行探索性研究。文章以需求为视角,基于浙江省实际,分析实施LTCI的可行性和阻碍因素,得出了可单独设置社保型LTCI的基本结论,勾勒出包括具体险种安排、服务输送和质量控制及其他支撑为主体的老年LTCI体系。具体给出将60岁以上的老年人作为保障对象,采用基金积累(FF)的方式进行筹资,财源主要包括个人和各级财政,给付以实物为主;应积极完善需求评估、重视服务输送和质量管理,探索相关法律等建议。
[Abstract]:Long-term care insurance (LTCI) for the elderly is an effective measure to transfer the risk of long-term nursing (LTC) for the elderly, but the exploration of LTCI is embodied in the construction of a system. Zhejiang Province is in the forefront of aging, economy and urbanization in China, so this paper chooses 17 representative counties and cities to investigate people's cognition and demand for LTCI. In order to see through a small part of the whole, the exploratory study of China's LTCI. From the point of view of demand and based on the reality of Zhejiang Province, this paper analyzes the feasibility and hindrance factors of implementing LTCI, draws the basic conclusion that social security type LTCI can be set up separately, and outlines the arrangement of specific types of insurance. Service delivery and quality control and other support for the elderly LTCI system. Specifically, the elderly over 60 years of age are taken as the guarantee object, and the fund accumulation (FF) is used to raise funds. The financial resources mainly include the individual and all levels of finance, and the payment is mainly in kind. Needs assessment should be improved, service delivery and quality management should be emphasized, and relevant laws should be explored.
【作者单位】：西南财经大学保险学院;温州医科大学人文与管理学院;
【基金】：浙江省民政研究中心规划课题(ZRCA201110) 浙江省社会科学界联合会研究课题(2013N140) 温州市哲社规划课题(12WSK185)阶段性研究成果
【分类号】：F842.6

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