发达国家长期护理保险融资的比较研究及对我国的启示

Comparative study on financing of long-term care insurance in developed countries and its enlightenment to China

通过对德国、日本、韩国3个国家的长期护理保险融资模式横向比较,深入挖掘其背后机制,从长期护理保险融资模式产生的背景与历程、参保对象、筹资机制、给付规定与护理补贴等方面进行系统梳理阐述,对发展完善我国长期护理保险融资模式提出了逐步扩大人群覆盖范围、优化护理配套政策、建立形式灵活给付机制、发展现收现支筹资模式等建议。

Through the horizontal comparison of the long-term care insurance financing modes of Germany,Japan and South Korea,the mechanism behind the long-term care insurance financing mode was deeply explored,and the background and course of the generation of the long-term care insurance financing modes,the insured objects,financing mechanism,payment regulations and nursing subsidies were systematically summarized and elaborated.Finally,in order to develop and perfect the financing mode of long-term care insurance in China,some suggestions were put forward,such as gradually expanding the coverage scope of the population,optimizing the supporting policies of nursing,establishing the flexible payment mechanism of forms,and developing the financing mode of pay-as-you-go.