商业长期护理保险市场影响因素及发展分析

Analysis on the Influencing Factors and Development of Long-term Nursing Commercial Insurance Market

长期护理保险受制于信息不对称、动态市场合约、保单定价与受益结构、消费者有限知识、公共提供以及非正式照顾等因素,面临着有限的市场份额问题。为促进长期护理保险市场的发展,各国采取了多样性措施,将政府管制、产品创新与消费者教育相结合。基于国情差异,相关研究结论并不能直接运用于我国,但国外长期护理保险市场已有的运作经验与研究框架仍可为我国商业长期护理保险发展所借鉴。

Long-term nursing insurance is subject to limited market share due to factors including information asymmetry, dynamic market contracts, policy pricing and benefit structure, consumer limited knowledge, public offerings, and informal care. To promote the development of the long-term nursing insurance market, many countries have adopted a variety of measures to combine government regulation, product innovation and consumer education. Based on the differences in national conditions, relevant research conclusions cannot be directly applied to China.But the existing operational experience and research framework of foreign long-term nursing insurance market can still be used for the development of China＇s commercial long-term nursing insurance.