推广长期护理保险制度的思路与路径研究

Research on the Thought and Path of Promoting Long-term Care Insurance System

我国的半失能与失能群体,尤其是老龄化社会下众多的半失能和失能老年人产生的长期护理费用对家庭和社会造成了沉重的经济负担,同时也对我国护理服务的供给提出了挑战。针对目前存在的中重度失能人群数量庞大、长期护理服务供不应求、护理服务费用难解决以及长期需求经济负担重等问题,基于公共产品理论,提出在我国推广长期护理保险制度应当明确准公共产品性质、作为社会保险强制推行、体现政府公共责任及实行社保商保相结合模式的思路,以及构建多样给付方式、引导居民优先选择居家服务和借鉴家庭医生签约工作经验等具体推广路径。

The long-term care costs of semi-disabled and disabled people, especially in the aging society, had caused a heavy financial burden on families and society, and the supply of care services. It listed 15 cities including Suzhou, Qingdao, and so on as a pilot city to explore the establishment of long-term care insurance system. Based on the theory of public goods, facing the situation of lots of semi-disabled and disabled people, supply shortage of long-term care service and financial burden of long-term care services,it suggested that the promotion of long-term care insurance system in china should be clear it was quasi-public goods and social insurance. Also, it should reflect public responsibility of government and take model of combination of social insurance and business insurance. Specifically,taking a variety of payment methods to guide residents to give priority to home services and learn from work experience of family doctor wiould be suitable path to promote long-term care insurance system.