南宁市居民长期护理保险需求影响因素分析

Analysis of the Influencing Factors of Long Term Care Insurance Demand of Residents in Nanning City

通过调查研究南宁市居民长期护理保险需求影响因素,了解调查对象的投保或购买意愿,论证并明确影响当地居民长护险现实需求的因素,使提供的对策具备有效性和实践性。结果显示,长期护理保险给付方式中比例较高的两项是护理费用报销和提供合作机构;保险分担主体以自己缴费为主,政府补贴为辅;按季缴纳的需求最高,其次是按月缴纳;期待缴满5年即可在有需要时享受待遇的占比较高;未来养老规划中,居家养老比例最高。

Through the investigation and research on the influencing factors of long term care insurance demand of residents in Nanning City,the study investigates the insurance or purchase intention of the survey subjects,and demonstrates and clarifies the factors affecting the actual needs of long term care insurance of local residents,to make the countermeasures provided become effective and practical.The results show that the two payment modes with the highest proportion of long term care insurance are the reimbursement of care expenses and the provision of cooperative institutions.The main body of insurance is the elderly,and the government subsidy is the assistance.The mode of payment is expected to be paid quarterly,followed by monthly.The payment period is expected to be five years when needed.In future pension planning,the proportion of home-based care of the elderly was the highest.