长期护理保险制度模式比较研究  

The Comparison of Three Long-term Care Insurance Patterns

作　　者：刘昌平[1] 毛婷[1] 

机构地区：[1]武汉大学社会保障研究中心,湖北武汉430072

出　　处：《西北大学学报（哲学社会科学版）》2016年第6期112-119,共8页Journal of Northwest University：Philosophy and Social Sciences Edition

基　　金：2012年国家自然科学基金项目(71273198)

摘　　要：长期护理商业保险模式、长期护理社会保险模式和长期护理津贴模式是目前国际主流的三种护理保险模式,它们在制度设计上各有特点,强调不同程度的政府责任和个人义务,有着不同的资金来源和相似的给付方式。本文运用比较研究的方法,从制度创建时期的经济社会条件、制度成本和经济社会效益三个方面对其进行了比较,可以发现:一方面,它们的实施扩大了保险覆盖范围,增加了护理费用支出,促进了护理产业发展;另一方面,也各自面临费用压力、道德风险、对储蓄和投资的挤出效应和市场规模难以扩大等问题。最后,论文针对三种模式在我国的适用性进行了分析。Long- term care allowance, social long -term care insurance and commercial long -term care in- surance are three different kinds of long -term care insurance patterns internationally. Every mode has its own frame structure. In the practices of various countries, governments had quite different regulations on insurance premiums and the methods for treatment. This paper compared the three modes from the perspective of eco- nomic - social condition, institutional cost and economic - social effect and found that every long - term care insurance institution had enlarged benefit coverage, increased care expenses, promoted the development of care industries. Also, a lot of problems have appeared with the implementation of the institutions, such as fis- cal pressure, moral hazard, the crowd -out effect and the small market size. Finally, we analyzed the appli- cability of the three modes in our country respectively.

关 键 词：长期护理 社会保险 商业保险 津贴模式 

分 类 号：F840.6[经济管理—保险]