居民长期护理保险认知与缴费之实证研究——以沈阳居民养老缴费意愿调查为例

The Empirical Research on Cognition and payment of Long-term Care Insurance——A Survey of Willingness of Residents to Pay in Shenyang

逐步探索建立互助共济、责任共担的长期护理保险多渠道筹资机制,是保证长期护理保险可持续发展的必要措施。其目的是探讨在由政府、企业、被保险人或受给者共同负担保费的这一制度假设下,居民长期护理保险认知对其参保缴费意愿的影响。方法与结果:采用二元Logist ic回归以及有序回归分析方法,发现在教育、健康、个人收入等因素均不变的情况下,居民对长期护理保险的效果认知与内容认知均可以促进其参保意愿;在个人收入、子女收入、教育、健康、养老保险、医疗保险的拥有情况均不变的情况下,居民对保险效果的认知程度可以影响其保险缴费水平,但是内容认知对缴费水平并无影响。结论是政府部门或保险行业可以通过提高居民对长期护理保险认知程度来扩大保险覆盖面。

Exploring the establishment of multi-channel fund mechanism is important to ensure the sustainable development of the long-term care insurance.The purpose is to explore how the residents＇ cognition affect their payment decisions if the premiums were paid jointly by the government, the employers, the insured.Through regression analysis, we conclude that the effect cognition and the content perception of long term care insurance enable the residents to make their decision to participate in the insurance, when the factors like education, health, personal income remain unchanged.The effect cognition can also affect their payment level, but the content perception not, when their personal income, children＇ s income, education, health, pension insurance, medical insurance remain unchanged.The Conclusion is that the government or the insurance company can improve the cognition of the long-term care insurance of the residents to expand insurance coverage.