美国长期护理保险实践及其对我国的启示——基于美国长期护理保险定价视角的分析  

The Enlightenment from the Practice of Long-Term Care Insurance in the United States——Based on the Perspective of Long-Term Care Insurance Pricing in the United States

作　　者：张晏玮[1] 孙健[1] 

机构地区：[1]对外经济贸易大学保险学院

出　　处：《价格理论与实践》2018年第2期111-114,共4页Price:Theory & Practice

基　　金：“对外经济贸易大学国内外联合培养研究生项目资助”、“对外经济贸易大学2017年研究生科研创新项目”资助(项目编号:2017015)

摘　　要：随着我国老龄化问题日趋严重、失能老人数目急剧攀升,我国急需构建符合我国实际情况的长期护理保险制度。经过40多年的发展,美国的商业性长期护理保险已发展得较为成熟。本文以美国为例,基于美国长期护理保险定价的视角,对美国长期护理保险的实践经验进行分析,总结出美国长期护理保险的优势,以期为我国商业性长期护理保险的发展提供启示。As China＇s ageing problem becomes more serious and the number of disabled elderly people rises sharply, it is urgent for China to build long-term care insurance system. After more than 40 years of development, commercial long-term care insurance in the United States has developed more maturely. Based on the perspective of American long-term care insurance pricing, this paper takes the United States as an example, and analyzes the experience of long-term care insurance in the United States. This paper summarizes the advantages of long-term care insurance in the United States and provides inspiration for the development of commercial long-term care insurance in China.

关 键 词：老龄化社会 商业性护理保险 护理保险定价 美国长期护理保险 

分 类 号：F842.6[经济管理—保险]