独生子女家庭非正式医疗照护保险产品设计研究

独生子女职工在其父母遭受重大疾病或意外事故住院治疗时,往往面临着较为严峻的照护难题。为了解决独生子女职工请假照护生病父母时面临的经济风险,以及为父母购买医疗护理服务带来的经济压力,文章基于“保险+服务”的理念提出了“独生子女家庭非正式医疗照护保险”产品设计构想。该险种采用政府与社会资本合作的“PPP”经营模式,以“独生子女请假照护补偿责任”和“短期护理支持责任”为主要保险责任,用于补偿独生子女职工在“独生子女护理假”之外,请假照顾生病父母面临的收入减损,并将专业护理机构提供的短期医疗护理服务作为保险待遇进行给付,用于应对职工在假期结束后返回工作岗位而父母无专人照护的风险,有效解决独生子女家庭的医疗照护需求。

The only-child employees often face more severe care problems when their parents are hospitalized for major illnesses or accidents. In order to solve the economic risks faced by only-child employees when taking care of their parents and the extra expense on medical care service, this paper puts forward the product design of “Informal medical care insurance for only-child families ” based on the concept of “insurance + service”. The insurance adopts the “PPP” business model of cooperation between the government and commercial company, and it aims to compensate the income loss of only-child employees when they leave occupation for taking care of their sick parents. Besides, short-term medical care service provided by professional nursing institution can be given to sick parents by insurance claim when only-child employees leave their sick parents for work, and solve their problems of medical care effectively.