政产学研协同创新 探索长护保险制度建设路径——基于义乌市的实践

The Path of Building a Long-term Care Insurance System through the Collaborative Innovation Mode of Government, Industry, University and Research Institute——Based on the Practice of Yiwu

长期护理保险被称为社会保险中的第六险,为因年老、疾病、伤残导致长期失能的人员提供生活护理和基本医疗护理服务保障。将长护保险纳入强制性的社会保险范围,能够更好地发挥大数法则和风险共担优势,实现全人群的互助共济,不仅是义乌市保障当前失能人员的民生实事,更是应对未来老龄化社会的重要举措。

Long term care insurance is known as the sixth type of insurance in social insurance. It provides life care and basic medical care services for long-term disabled people caused old age, sickness and disability. Incorporating long-term care insurance into the compulsory social insurance can give full play to the majority rule and the advantage of risk sharing, and realize the mutual aid of the whole population. This is not only the fact that Yiwu protects the people＇s livelihood of the disabled at present, but also an important measure to cope with the future aging society.