建立适合中国国情的长期护理保险制度模式

【关键词】:长期护理保险;;长期护理;;制度模式
【摘要】:随着2000年中国正式步入老龄化国家的行列,"四二一"、"四二二"结构的家庭及"空巢家庭"大量出现,使得急需一种为子女分担压力的老年长期护理服务以及为此服务提供经济保障的老年健康保险产品——长期护理保险。本文通过对长期护理保险发展较有特色的国外发达国家——美国、日本长期护理保险制度成功经验的比较分析,创新性地提出建立具有中国特色的长期护理保险分三步走的模式设想。
China was officially announced to join the rank of ageing countries in the year 2000.Families with a "four-two-one" and "four-two-two" structures or "empty nest" families are rapidly increasing.This phenomenon gives rise to burgeoning needs for long term care (LTC) services and long term care insurance products,a financial support of the service.Through comparisons with popular international long-term care insurance models in developed countries such as America and Japan,this article introduced a three-step model for establishing long term care insurance suitable for China′s specific situation.