我国商业长期护理保险的困境与出路

The Dilemma and Outlet of Commercial Long-term Care Insurance

在人口老龄化不断加剧的背景下,商业长期护理保险正迎来黄金发展机遇期。从供给状况和产品设计来看,我国商业长期护理保险还难以满足人们的长期护理保险保障需求。在被保险人范围、给付条件、保险期间、支付方式、应对通胀等方面存在一系列问题。鉴此,商业长期护理保险应加强顶层设计、拓展服务产业链、加强监管以实现健康发展,同时,扩大被保险人范围、放宽给付条件、延长保险期间、创新应对通胀方式以改善产品供给。

In the context of an aging population, commercial long-term care insurance is ushering in the golden opportunity of development. From the supply situation and product design point of view, China＇s commercial long-term care insurance is also difficult to meet people＇s long-term care insurance needs. In view of this, commercial long-term care insurance should strengthen the top-level design, expand the service industry chain, strengthen supervision to achieve healthy development, while expanding the scope of the insured, relax payment conditions, extend the insurance period, innovative ways to deal with inflation to improve product supply.