保险学-我国长期护理保险扩大保障对象可行性研究

我国长期护理保险扩大保障对象可行性研究【摘要】我国在 2016 正式开始长期护理保险制度的试点。安庆市、上海市、青岛市等 15 个城市成为我国制度试点城市，山东省及吉林省作为重点联系省份也被加入到制度试点地域。然而在试点城市中，弱势群体之一的失智人群仅在广州、青岛两个城市中作为保障群体被纳入长期护理保险保障范围中，其他的试点城市目前的保障群体仅包括中、重度失能人员。但随着我国人口老龄化程度的持续加深，除失能老年人数的不断升高外，国内失能残疾人群及失独老人等处于失能状态的人群人数也在不断增加，需要长期失能护理服务的人数也在不断增长，广大群众对长期护理保险需求的呼声渐起。为此，本文对社会性长期护理保险的国内现状进行分析，分析我国长期护理保险扩大保障对象的可能性，提出扩大长期护理保险保障对象或将面对的问题，并以日本、韩国的长期护理保险经验为参考，提出几点应对当前扩大长期护理保险保障对象问题可行的意见和建议。 【关键词】长期护理保险；扩大保障对象；可持续发展；医保改革 注：本论文（设计）题目来源于教师的国家级（或省部级、厅级、市级、校级、企业）科研项目，项目编号为： B2019233 。 A Comparative Study on the Impact of DRGs and Disease-Based Score Payment to the Core Stakeholders’ Behavior[Abstract] In 2016, China officially started the pilot of long-term care insurance system. 15 cities including Anqing City, Shanghai city and Qingdao City have become the pilot cities of China's system, and Shandong Province and Jilin Province, as key contact provinces, have also been added to the pilot areas of the system. According to the opinion of the pilot system, the insured of the medical insurance for urban employees in the pilot area should join in the long-term care insurance at the same time, and the insured who are in a long-term disability state should be included in the coverage. Most cities adjusted the coverage of the long-term care insurance system in the pilot area according to the actual situation. However, in the pilot cities, one of...