长期护理保险的概念界定

On Concept Definition of Long - term Care Insurance

随着2000年中国正式步入老龄化国家的行列，“四二一”、“四二二”结构甚至“八四二一”结构的家庭及“空巢家庭”大量出现，使得急需一种为子女分担压力的老年长期护理（Long term care，LTC）服务以及为此服务提供经济保障的老年健康保险产品——长期护理保险（Long Term Care Insurance，LTCI）。本文通过对中外长期护理和长期护理保险的定义及其所属范畴的综述与对比分析，进一步明确了其概念，从而有利于全面理解长期护理保险的内容、特征、优势，为我国保险业全面开发该险种提供理论依据。

With China stepping into the ageing society in 2000, ＂four two one＂,＂ four two two＂, even the ＂eight four two one＂family structure as well as the ＂empty-net family＂ in the present are continuously growing. This generates the needs for long term care （LTC） and long term care insurance （LTCI） for the elderly. Through comparison with the definitions and category of the LTCI between China and developed countries, this article further makes clear-cut concept of the LTCI. It is useful for understanding the contents, characteristics and benefits of LTCI,and provides the theoretical basis for developing LTCI in China.