试论个人账户基金购买长期护理保险的必要性和可行性

Discuss the Possibility of Purching Long Term Care Insurance by Individual Account

现在我国已迈进人口老龄化、高龄化社会,"四二一"家庭结构弱化了其传统的护理功能。而护理费用的持续攀升,不仅给老年人及其家庭带来沉重的经济负担,甚至于还可能过度消耗基本医保的统筹基金。借鉴发达国家的经验,探索商业保险与社会医保的对接,通过社保商办,将长期护理保费纳入个人账户支付范围。不仅能提高参保人的保障程度,活化个人账户的互济功能,降低统筹基金的支付,也可缓解个人账户基金使用效率低下、当期结余率高和用于非医疗消费等问题。从而满足公众日益增长的多样化、个性化的医疗保障需求。

Due to population aging in our country, the ＂421＂ family structure have weaken the function of the traditional nursing care, and the steady rising price for nursing has brought a heavy economic burden to the elderly and their families. Based on the experience of the developed countries, we explore a way to connect comercial insurance with social medical insurance, and through the social security administration, make the long-term care insurance expenditure paid by individual account. As the result, it not only activate the function of their mutual aid, but also establish a financing way for long-term nursing care.