发展长期护理保险应对我国老龄化困境

面对老龄化趋势加剧以及我国现有保险体系中护理保障的缺失等现状,发展我国长期护理保险势在必行。长期护理保险风险高,缺乏精算数据,风险控制技术落后,这些因素制约着我国商业长期护理保险的发展。开展长期护理保险应对我国老龄化困境,科学设计险种是基础,政策法律的支持是关键,完善配套护理体系是保障。

In the face of increasing aging trends and the absence of care ensure in current insurance system, developing China＇ s long - term care insurance is imperative. High risk, the lack of actuarial data, low standard risk control, these factors restrict development of China＇ s long - term care insurance. I）evdoping long - term care insurance to deal with the plight of China＇ s aging, the scientific design of insurance is the foundation, policy and law support is key, improving of matching care system are the guarantee.