政策性长期护理保险定价研究——以北京市为例

发布时间：2018-05-16 15:19

本文选题：政策性保险 + 长期护理保险　；参考：《保险研究》2016年09期

【摘要】：政策性长期护理保险作为一种解决失能老年人长期照护问题的新型模式,其定价问题逐渐为学术界所关注。本文以北京市为例,运用数据替代法、市场调研法等方式获取北京市老年人失能状况转移概率矩阵及护理费用等数据,通过多状态Markov模型对政策性长期护理保险的保费进行定价。通过分析可以看出,一方面政策性长期护理保险的价格远低于商业保险价格,另一方面,政策性长期护理保险比强制性社保方式又具有较高效率。因此,目前在我国采取政策性长期护理保险方式为最佳或过渡性选择。而在政策性长期护理保险里,机构护理的保费高于居家护理的保费,经测算,前者是后者的1.67倍。因此,目前在我国应大力发展以居家护理为主的政策性长期护理保险。
[Abstract]:As a new model to solve the problem of long-term care for the disabled elderly, the policy-based long-term care insurance has been paid more and more attention to by academic circles. This paper takes Beijing as an example, uses data substitution method, market research method and other methods to obtain data such as the transfer probability matrix of disability status and nursing expenses of the elderly in Beijing. The premium of policy long-term care insurance is priced by multi-state Markov model. On the one hand, the price of policy long-term care insurance is far lower than that of commercial insurance, on the other hand, policy long-term care insurance is more efficient than compulsory social security. Therefore, the policy-based long-term care insurance is the best or transitional choice in our country. In the policy long-term care insurance, the premium of institutional nursing is higher than that of home care, the former is 1.67 times of the latter. Therefore, the policy long-term nursing insurance should be developed in our country.
【作者单位】：对外经济贸易大学保险学院;
【基金】：2016年中国保险学会教保人身保险高校课题研究基金“我国长期护理保险定价研究——基于政策性保险视角”(jiaobao2016-02) 2016年教育部人文社会科学研究规划基金项目“人口移出老龄化背景下我国农村失能老年人居‘家扶助型’养老模式研究”(16YJA840004)的阶段性研究成果
【分类号】：F842.6

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