人口老龄化背景下长期护理保险制度构建探析.pdfVIP

口医疗保障 《中国卫生经济》第35卷第7期(总第401 期) 2016年7 月 人口老龄化背景下长期护理保险制度构建探析 尹思思①， 宋艺航飞高丽敏① 摘 要 随着我国人口的老龄化和离龄化， 老年人的长期护理问题日益凸显，这决定了在我国建立长期护理保障制度的 必要性和迫切性。鉴于我国的国惰，老年人长期护理保障制度可采取分步构建的步骤， 首先从国家主导、个人自愿投保的长 期护理初级保障形式起步，随着条件的逐步成熟， 最终发展为强制性的、完善的社会保险制度。 关键词 长期护理保险;护理服务事业; 人口老龄化;社会保险;商业保险 中图分类号 R1-9; F840.6 13 文献标志码 C 文章编号 1003-0743(2016)07-0019-04 001 10.7664/CH Exploration on Constructing Long-ter m Care Insurance System under the Background of Aging Population!YIN Si-si, SONG Yi- hang, GAO Li-min/lCh inese Health Economics, 20 16,35(7): 19- 22 Abstract With the increase of aging population in China, the problem of elderly long- term care was highlighted , whi ch deter- mined the necessity and urgency of establishing a long-term care insuranιe system in China. In view of Chinese nationaI conditions, long- term care insurance systern could take the process of stepwise construction. It could firstly start from with the form of slate- Ied and individual voluntary long-term care primary insurance. With the improving condition, it would become a mandatory and perfect social insurance system. Key words long- term nursing insurance; nursing service industry; aging population; social insurance; commercial insurance First-author s addrcss Dalian Medical University, Dalian , Liaoning , 116044, China Cor responding 3uthor GAO Li-m in , E-mail: gao.dl@163.com 随着我国人口的日益老龄化和高龄化，老年人患 老年人患有经医生确诊的慢性病l飞 病的长期护理问题日益凸显，如何满足老年人日益增 另外，和其他老龄化国家比较，我国还存在着 长的长期护理需求，如何为这种需求进行筹资和提供 人口长寿不健康状况，失能老年人比例偏高。我国 经济保障，已经成为一个亟待研究和解决的社会问 60岁以上老年人的余寿中有213 的时间是处于带病生 题。本研究针对我国建立长期护理保险的必要性进行 存状态。根据我国全国城乡