国际经验对我国建立长期照护保险制度的启示

Implications of International Experience for Building China's Long-term Care Insurance System

目的:通过介绍几种国际上常用的长期照护保险制度,对我国建立适合我国国情的长期照护保险提供参考和借鉴。方法:主要通过搜索国外关于长期照护保险制度的文献资料,对其内容进行提取和总结,对我国的制度建设提供建议和借鉴。结果:文章总结国际上通用的长期照护保险制度有四种模式:私营长期照护社会保险,例如荷兰;公营长期照护社会保险,例如德国,日本;长期照护商业保险,例如美国;以及国家负责长期照护保险,例如英国。我国可以借鉴各种模式的优点,形成我们的制度。结论:荷兰、德国、日本以及美国的长期照护保险制度都有值得借鉴的地方,但是也有弊端,在扬长避短的基础上,形成我国合理的长期照护保险制度。

Objective： To introduce several international long-term care insurance systems so as to provide referenees for build- ing China＇s long-term care insurance system. Methods： Literature of International long-term care insurance system were reviewed to extract and summarize the content so as to provide suggestion and references for China＇s system construction. Results： It concluded 4 modes of systems for long-term care insurance including the private long-term eare social insurance like Netherlands, the public long-term care social insurance like German and Japan, long-term care commercial insurance like AmeriCa and national long-term care insurance like England. The advantages of different modes could be learned to form Chinese system, conclusion： The long-term care insurance systems of Netherlands, Germani Japan, American could be learned for our system constructioni but they also had disadvantages. Therefore, on the basis of the foster strengths and circumvent weaknesses, the reasonable long-term care insurance system was formed.