我国长期护理保险制度发展探析

长期护理保险是我国老年照护保障的一种类型。为了有效应对我国人口老龄化、高龄化趋势以及失能老人比例增多带来的对长期护理需求的增加,政府开始规划长期护理保险制度的发展。十八届五中全会提出了"探索建立长期护理保险制度",并写入了"十三五"规划。2016年以来,我国多个城市开展了长期护理保险制度的试点工作,取得了一定的成果,但也存在着基金筹集占用医疗保险基金、长期护理服务市场不完善、相关标准体系不健全、商业保险参与不充分等问题,需要在今后的发展中逐步加以完善。

Long term care insurance is a type of care guarantee for the elderly in China.The government has begun to plan the development of the long-term care insurance system in order to effectively cope with the increasing population aging,the trend of aging and the increase of long-term care demand caused by the increasing proportion of disabled elderly.In the fifth Plenary Session of the 18 th CPC Central Committee,the "long-term care insurance system" was put forward and was written into the 13 th Five-Year plan.Since 2016,many cities in China have carried out the pilot work of long-term care insurance system,and have achieved certain results.However,there are also problems such as fund raising and occupying medical insurance funds,imperfect long-term care service market,imperfect related standard system,inadequate commercial insurance participation and so on,which need to improve gradually in the future.