中国商业长期护理保险发展现状分析  

Analysis of the Development Status of Commercial Long-Term Care Insurance in China

作　　者：靳慧 赵明月 谢慧玲[1] JIN Hui;ZHAO Mingyue;XIE Huiling(Public Health School of Xinjiang Medical University,Urumqi Xinjiang 830011,China;不详)

机构地区：[1]新疆医科大学公共卫生学院,新疆乌鲁木齐830011

出　　处：《卫生经济研究》2024年第4期51-55,共5页

基　　金：新疆维吾尔自治区哲学社会科学基金项目“新疆长期护理保险制度可持续发展研究”(21BGL113);新疆维吾尔自治区专家顾问团决策研究与咨询项目“新疆照护服务供方市场发展状况研究”(JZ202224)。

摘　　要：随着人口老龄化程度日益加深,我国商业长期护理保险正处于重要的发展时期,当前存在居民购买意愿不高、保险产品设计有缺陷、理赔服务体系不完善以及护理产业发展滞后等问题。对此,应提高居民对长期护理保险的认知水平,优化长期护理保险产品设计,完善商业长期护理保险理赔服务体系,建设专业护理机构和护理人员队伍,更好地发挥商业长期护理保险的保障作用。With the deepening of population aging,commercial long-term care insurance is in an important period of development in China.However,there are some problems such as residents'low willingness to buy,many defects in the design of insurance products,imperfect claims service system,and lagging behind in the development of the nursing industry.In this regard,it is necessary to improve the residents'awareness of long-term care insurance,optimize the design of long-term care insurance products,improve the claims service system of commercial long-term care insurance and build professional nursing institutions and nursing staff,so as to give better play to the protection role of commercial long-term care insurance.

关 键 词：商业长期护理保险 长期护理 失能老人 

分 类 号：R19[医药卫生—卫生事业管理]