美国长期护理保险实践及其对我国的启示——基于美国长期护理保险定价视角的分析

The Enlightenment from the Practice of Long-Term Care Insurance in the United States——Based on the Perspective of Long-Term Care Insurance Pricing in the United States

随着我国老龄化问题日趋严重、失能老人数目急剧攀升,我国急需构建符合我国实际情况的长期护理保险制度。经过40多年的发展,美国的商业性长期护理保险已发展得较为成熟。本文以美国为例,基于美国长期护理保险定价的视角,对美国长期护理保险的实践经验进行分析,总结出美国长期护理保险的优势,以期为我国商业性长期护理保险的发展提供启示。

As China＇s ageing problem becomes more serious and the number of disabled elderly people rises sharply, it is urgent for China to build long-term care insurance system. After more than 40 years of development, commercial long-term care insurance in the United States has developed more maturely. Based on the perspective of American long-term care insurance pricing, this paper takes the United States as an example, and analyzes the experience of long-term care insurance in the United States. This paper summarizes the advantages of long-term care insurance in the United States and provides inspiration for the development of commercial long-term care insurance in China.