长期护理保险模式探索

Exploration on the Long-Term Care Insurance Mode

目前我国人身险市场发展迅速,但是在老龄化背景下,长期护理保险的市场份额仍然很小。目前我国的长期护理保险仍然处于起步试点阶段,论文通过对比已开发的商业长期护理险产品,探索长期护理保险模式应设计成低杠杆、万能型、提供多种给付方式、适当放宽投保年龄以及提出相关建议。

At present,life insurance market in China is developing rapidly,but under the background of the aging problem,the market share of long-term care insurance is still small.At present,China's long-term care insurance is still in the initial stage.This paper compares the developed commercial long-term care insurance products,and explores that the long-term care insurance mode should be designed as a low-leverage,universal type,provide a variety of payment methods,appropriately relax the age at issue and makes relevant suggestions.