摘要
北京石景山长期护理保险试点,在制度安排上坚持广覆盖、保基本、多层次、可持续的原则,具有覆盖全员、多元筹资、保障基本、待遇分级、鼓励居家、适合市情等特点。在总结石景山试点过程中的瓶颈与不足的基础上,提出长期护理保险扩大试点的政策建议:政府主导,加强顶层设计,充分利用商业保险公司专业化、市场化运作机制,实现公共服务管理体制机制创新,促进政府治理体系的现代化建设。
The Beijing Shijingshan Long-term Nursing Insurance Pilot adheres to the principles of wide coverage,basic insurance,multi-levels,and sustainability in terms of institutional arrangements.It has the characteristics of covering all employees,multi-funding,basic guarantees,grading of benefits,encouraging homes,and being suitable for the market.On the basis of summarizing the bottlenecks and deficiencies in the Shijingshan pilot process,it proposes policy recommendations for expanding the long-term care insurance pilot:government-led,strengthening the top-level design,making full use of the professional and market-oriented operation mechanism of commercial insurance companies,realizing innovation in public service management system,and promoting the modernization of the government governance system.
作者
孙洁
孙跃跃
SUN Jie;SUN Yue-yue(School of Insurance and Economics,University of International Business and Economics,Beijing 100029,China;不详)
基金
北京社科基金重点课题“首都失能半失能老人居家养老社会支持研究”(19GLA008)
对外经济贸易大学培育项目(20PY084-19GLA008)以及校级专项课题“北京市长期护理保险制度模式、管理体制与运行机制研究”的阶段性研究成果。
关键词
长期护理保险
失能老人
居家照护
long-term care insurance
disabled elderly
home care