健康老龄化背景下我国长期护理保险制度存在的问题及对策

Problems and Countermeasures of Long-term Care Insurance in China Under the Background of Healthy Aging

在健康老龄化视角下总结长期护理保险制度存在的问题并针对性提出解决方案,能够有效推动我国社会保障体系的可持续健康发展。结合失能老人长期护理供给与需求的有关情况,分析了国内外长期护理服务研究成果,发现我国长期护理保险制度发展存在筹资方式单一、覆盖范围狭窄及失能评分机制缺少科学依据等问题;因此,探索多元可持续筹资模式,完善长期护理保险方面相关法律法规制定及科学的评估标准,是推动我国长期护理保险制度不断发展完善的有效对策。

The study summarizes the existing problems of long-term care insurance from the perspective of healthy aging,and puts forward targeted solutions,so as to effectively promote the sustainable healthy development of China’s social security system.Based on the relevant situation of the supply and demand of long-term care for disabled elderly people,the study analyzes the research results of long-term care services at home and abroad.It is found that there are some problems in the development of long-term care insurance in China,such as single financing method,narrow coverage and lack of scientific basis for the scoring mechanism of disability,etc.The exploration of multiple sustainable financing models,the improvement of relevant laws and regulations on long-term care insurance and the formulation of scientific evaluation standards are the effective countermeasure to promote the continuous development and improvement of long-term care insurance system in China.