基于AHP法的长期护理保险需求分析

Analysis on the Demand of Long-term Care Insurance by AHP method

我国老年长期护理呈现出老年人自理能力整体下降与失能老年人剧增、长期护理成本居高不下、长期护理服务供需失衡等特征,导致我国目前对于长期护理保险有很大的潜在需求,但是在保险市场上对于该险种的有效需求却比较有限。本文运用AHP法对影响长期护理保险需求的因素进行分析,确定各因素的权重和影响程度,进而提出对策建议,以期能为政府护理制度的建立、保险公司的产品设计提供参考,增加LTCI的有效需求;能使老年人享受到体面、有尊严的晚年生活。

China＇s long-term care for the elderly shows a series of characteristics, such as a decline in self--care ability of the elderly, a sharp increase in disability of the elderly, long--term care costs re- main high and imbalance between supply and demand, which lead to a great demand of long--term care insurance in China. But in the insurance market, effective demand for the insurance is relatively limited. In this paper, the factors that affect the demand of long--term care insurance are analyzed by AHP method, and the weight and influence degree of each factor are determined. The suggestions are put for- ward to provide reference for the government in the establishment of nursing system and product design for insurance companies; at the same time, to increase the effective demand for LTCI, and enable the elderly to enjoy a decent and dignified life in their later years.