新加坡护理保险制度概述

新加坡的护理保险制度由公共护理保险制度、公共补充护理计划以及商业护理保险三部分构成。制度运行中,一方面公共保险对国民的基本保障作用凸显,且更多地保障了弱势群体的利益,另一方面商业保险受公私合营的拉动作用明显,且满足了国民多层次的护理需求。同时,对于其中公共护理保险制度存在的赔付比例偏低、退保率上升以及国民覆盖率下降等问题,政府针对问题产生的原因制定了相应的新的改革方案,并将于2020年正式启动。

Singapore's long care insurance system consists of three parts:public care insurance system,public supplementary care plan and commercial care insurance system.In the operation of the system,on the one hand,public insurance plays a prominent role in the basic protection of the people,and better protect the interests of vulnerable groups;on the other hand,commercial insurance,motivated by public-private partnership obviously,meets the multi-level care needs of the people.At the same time,the government has formulated a new reform plan to solve the problems of low compensation rate,rising surrender rate and declining national coverage in the public care insurance system,which will be formally launched in 2020.