公私合作构建我国的长期护理保险制度:国外的借鉴

Public and private cooperation to build long term care insurance in China:lessons from other countries

鉴于我国日益严重的老龄化趋势以及沉重的老年护理费用,在我国推行长期护理保险制度势在必行。本文分析了国外护理保险制度中公私合作的模式、经验和教训,指出我国唯有以"政府推动、政策支持、强制投保、商业化经营、社会化运作"为原则,充分发挥政府的法律、财税支持与监管职能,引入保险公司的商业化经营,建立覆盖城乡的社会化护理机构,继续巩固家庭在老年护理中的作用,才能实现我国长期护理保险制度的可持续发展。

With a worsening population aging problem and high burden of aged care expenses, it is both inevitable and necessary to develop long term care insurance in China. This paper analyzed patterns, experiences and lessons of other countries in operating long term care insurance. It pointed out that, to maintain a sustainable development of long term care business in China, we should follow the principles of ＂government promotion, supportive policy, mandatory insurance ,commercialized operation, and socialized management＂. The government should play its due role of offering legislative and taxation supports and proper regulation of the insurance, and commercial insurance companies should be involved to run this business efficiently. The ultimate goal was to establish a socialized aged care institution covering both the urban and rural areas. Furthermore, we should continue to strengthen the role of family in offering aged care.