论我国长期护理保险的基本价值及其实现路径  

On the Basic Value of Long-Term Care Insurance in China and Its Implementation Path

作　　者：谢冰清 XIE Bingqing(Law School,Central South University,Changsha,China 410083)

机构地区：[1]中南大学法学院,湖南长沙410083

出　　处：《温州大学学报(社会科学版)》2025年第2期29-40,共12页Journal of Wenzhou University:Social Science Edition

基　　金：国家社会科学基金项目(17CFX042)。

摘　　要：长期护理社会保险是独立的社会保险制度,旨在化解社会风险,保障社会安全。“长期护理”涵盖生活照料与医疗护理两个面向,是失能者获得独立自主生活所必需。现阶段应当优先保障老年人的长期护理需求,维护其生命权、健康权与人性尊严等基本权益,并填补其家庭可能遭受的损失,减轻家庭负担。保险人的给付义务在法律上具化为:增进被保险人获得长期护理服务的机会,确保长期护理服务之品质,承担长期护理所需的必要费用。保险给付内容相应地分为两大部分:一是提供给需要护理者的保险给付;二是提供给护理服务者的保险偿付。立法有必要确立“护理需求”这一概念作为保险给付基础,并明确统一的评估标准、评估程序等规范,以保障被保险人的保险给付权从抽象转化为具体。Long-term care social insurance,as an independent social insurance system,aims at mitigating social risks and ensuring social security.“Long-term care”encompasses both life care and medical care,essential for individuals with disabilities to achieve independent living.At this stage,priority should be given to meeting the long-term care needs of the elderly,protecting their basic rights to life,health and human dignity,and compensating for potential losses to alleviate the burden on families.The payment obligations of the insurer are legally defined as:enhancing the access of the insured to long-term care services,ensuring the quality of long-term care services and covering the necessary expenses required for long-term care.The content of insurance payment is divided into two parts accordingly:one is the insurance payment provided to those who need nursing care,and the other is the insurance reimbursement provided to those who provide nursing services.Legislation should establish the concept of“nursing needs”as the basis of insurance payment,and set clear,standardized evaluation criteria and procedures and other norms,so as to ensure the transition of the insured’s rights from abstract concepts to concrete entitlements.

关 键 词：长期护理 长期护理保险 长期护理需求 

分 类 号：D922.284[政治法律—经济法学]