社会长期护理保险对医疗服务及费用的影响——基于福利多元主义理论的实证研究  

The Impact of Social Long-Term Care Insurance on Medical Services and Costs——Empirical Research Based on Welfare Pluralism Theory

作　　者：刘方泽 Liu Fangze(East China University of Science and Technology,Shanghai 200234,China)

机构地区：[1]华东理工大学

出　　处：《上海城市管理》2024年第4期43-52,共10页Shanghai Urban Management

摘　　要：为了缓解人口老龄化带来的冲击和失能老人家庭养老所引发的一系列问题,长期护理保险作为一项重要的工具被提出和实施。长期护理保险实施的意义在于为受保险对象及其家庭提供更加合适的医疗服务、减轻医疗费用负担。因此,长期护理保险对于个人及家庭医疗服务及其费用所起到的替代作用就显得十分重要。通过利用2013年、2015年、2018年CHARLS数据库,结合倾向匹配模型(PSM)和双重差分法(DID),基于福利多元主义理论对长期护理保险对12个试点城市中老年人医疗服务与费用的实际影响展开了研究。研究结果证明了长期护理保险对门诊次数、门诊费用及住院费用具有显著的替代效应,但对住院次数的影响并不显著。In order to alleviate the impact of population aging and the problems that disabled elderly people bring to family elderly care,long-term care insurance has been proposed and implemented as an important tool.The significance of implementing long-term care insurance lies in providing more suitable medical services and reducing the burden of medical expenses for the insured and their families.Therefore,the substitution effect of long-term care insurance on personal and family medical services and their expenses is very important.We conducted a study on the actual impact of long-term care insurance on medical services and costs for the elderly in 12 pilot cities,using the CHARLS database from 2013,2015,and 2018,combined with propensity matching model(PSM)and double difference method(DID),based on welfare pluralism theory.The research results have demonstrated that long-term care insurance has a significant substitution effect on outpatient frequency,outpatient expenses,and inpatient expenses,but its impact on inpatient frequency is not significant.

关 键 词：长期护理保险 福利多元主义 替代效应 医疗服务 医疗费用 

分 类 号：F842.6[经济管理—保险]