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Care?insurance 护理保险 Forever?young 前景光明 Nobody?wants?to?insure?themselves?against?the?cost?of?end-of-life?care 没有人能保证他们不需要生命终期护理 GOOD?news?for?cruise?ships:?the?ranks?of?the?over-65s?grew?by?1.4m?over?the?past?decade.But?old?age?will?not?be?kind?to?all?of?them.?One?in?three?will?develop?dementia,?around?one?in?sixwill?end?up?in?a?nursing?or?care?home?and?nearly?half?will?need?some?form?of?care.?Few?will?havelaid?plans?to?pay?for?it. 游轮迎来好消息啦：过去十年间65岁以上人群增加了140万人次。但如此高龄的年纪却并不会善待每一位老人。其中有1/3的人会患老年痴呆，1/6的老人会在护理之家或是在护理中心走完人生的最后一程，而且有近一半的老人需要各种形式的护理。但几乎没人会为护理制定支付计划。 The?average?stay?in?a?nursing?home?lasts?17?months?and?costs?57,000 (85,000)?according?tothe?Centre?for?Economics?and?Business?Research,?a?think-tank.?People?with?assets?under23,250?get?most?of?their?residential?care?paid?for?but?everyone?else?is?more-or-less?on?theirown,?with?the?unluckiest?facing?bills?as?high?as?200,000.?Ever-attuned?to?the?plight?of?elderlyvoters,?the?government?is?moving?to?change?that.?Next?year?it?will?put?a?cap?of?72,000?on?thesum?that?a?person?will?have?to?pay?towards?care,?and?will?raise?the?means-testing?thresholdfrom?23,250?to?118,000. 据一智囊团——英国经济和商业研究中心称，在护理之家平均停留时间长达17个月，花费达57000欧元（合85000美金）。当不幸的面对高达20万欧元的护理费用之时，资产总值不足23250欧元的人会免付家庭护理，但其他人或多或少都要自己支付了。曾面对过老龄选民的费用困境，所以政府正在努力做改变。明年，政府将出台一项政策，没人必须支付的护理费用总值最高为72000欧元，并且会将资产评估的阀值从23250欧元提升至118000欧元。 The?government?had?hoped?that?this?reform?would?not?just?soothe?elderly?nerves?but?alsostimulate?an?insurance?market?for?end-of-life?care.?Unfortunately,?that?is?not?happening. 政府希望此项改革能够舒缓老年人的神经并且以生命终期护理来刺激保险市场。可惜，现实太过骨感。 Many?people?continue?to?assume,?wrongly,?that?the?NHS?will?pay,?says?Yvonne?Braun?from?theAssociation?of?British?Insurers.?And?most?are?overly?optimistic?about?their?health?in?old?age,underestimating?the?risks?and?costs?they?will?suffer.?Joan?Costa-Font,?from?the?London?Schoolof?Economics,?adds?that?the?idea?of?care?insurance?seems?to?conflict?with?social?values.?A?kindof?familial?moral?hazard?kicks?in,?as?people?fear?the