论我国长期护理保险的建立与发展——通过与日本的比较

On the Establishment and Development of a Long-Term Care Insurance System in China——Based on the Comparison of Long-Term Care Insurance of China and that of Japan

近代以来,老龄化已成为世界人口演变的基本趋势。老年人照顾和护理的需求缺口巨大。日本等国相继建立了老年护理保险,即通过保险运作的方式,为老年人提供生活服务常规化的一种强制性的制度安排。研究日本制度建立的背景,可以得出,我国目前已具备了一定的建立长期护理保险条件,但根据我国的具体情况,建立老年护理保险制度还需要分步走,不能照搬日本的模式。长期护理保险产品的开发和推广,对于我国的商业保险和社会保障制度的完善,尤其是我国养老体系的建立具有重要的意义。

Since the modern time, ageing population has been the underlying trend of the evolution of world population. In response to the huge demand brought about by this trend for care and nursing on the part of the aged Japan and other countries established care insurance system which is a compulsory system providing conventional service for the aged by utilizing insurance. The comparison between China and Japan with regard to backgrounds and conditions for such a system shows that it is possible, nowadays, for China to establish this system. According to China＇ s existing situation, however, the establishment of a care insurance system should be carried out in a step - by - step manner instead of mechanically imitating Japan＇ s mode. Development and promotion of Long - term care insurance products is one of the tasks to perfect commercial insurance and social insurance, especially our country＇s social pension insurance system.