长期护理保险体系社商协作机制研究综述

A Summary of Research on Social Insurance and Commercial Insurance Cooperation in Long-term Care Insurance

随着我国老龄化程度不断加深,失能、失智和高龄老人的规模日益庞大,长期护理保险的需求也日益迫切。如何结合社会保险和商业保险各自的优势,构建充分满足老人需求的多层次长期护理保险体系具有重要的意义。国内此方面的研究大致可以分为三个阶段,分别是商业保险阶段、社会保险阶段以及社会保险与商业保险协作阶段。在不同阶段,依据社会保险和商业保险发挥作用的差异,又可以分为不同的模式。通过归纳学界对长期护理保险社商协作机制探讨的不同阶段和模式,可以从加强社会保险和商业保险协作的角度,对我国长期护理保险制度的长远发展提供一些建议。

With the deepening of China’s aging, the scale of disability, dementia and the elderly is growing larger and larger, and the demand for long-term care insurance is becoming increasingly urgent. How to combine the advantages of social insurance and commercial insurance to construct a multi-level long-term care system that fully meets the needs of the elderly is of great significance. Existing research in this area can be roughly divided into three stages, the commercial insurance stage, the social insurance stage, and the social insurance and commercial insurance cooperation stage. At different stages, depending on the differences in the role of social insurance and commercial insurance, they can be divided into different models. This paper attempts to provide some suggestions for the development of China’s long-term care insurance system from the perspective of strengthening the construction of social insurance and commercial insurance cooperation mechanism by summarizing the stages and models of long-term care insurance cooperation.