多层次长期护理保险体系构建的思考和建议

Thoughts and suggestions on the construction of multi-levellong-term care insurance system

以长期护理保险的发展现状为出发点,分析长期护理社会和商业保险的实践经验及挑战,提出通过建立健全相关政策法规,加大财税支持、完善统一评估体系、建立长期护理数据共享平台、提高公众的护理风险防范意识、加强长期护理人才队伍建设等途径,构建符合我国以长期护理社会保险为主、商业保险为辅的多层次长期护理保险体系,以满足老年人多元化长期护理服务需求。

It starts from development status quo of long-term care insurance.This paper analyzes the practical experience and challenges of long-term care society and commercial insurance.It puts forward some suggestions on constructing a multi-level long-term care insurance system which meets long-term care social insurance mainly and commercial insurance as a supplement in our country,by establishing and perfecting policies and regulations,increasing finance and taxation support,perfecting unify evaluation system,establishing long-term care data sharing platform,improving public risk prevention consciousness,strengthening the construction of long-term care personnel team,so as to satisfy diversification long-term care service needs of the elderly.