摘要
我国从2014年正式开展的长护险模式是政府主办商业配合。山西省社会性长护险目前只是在临汾地区开展试点,尽管在减轻了当地失能半失能老人医护的一定负担,但并不能完全满足老年人的多层次长期护理要求。本文从山西省商业长护险现状分析出发,指出作为社会性长护险的补充,山西省发展商业性长护险的必要性,并对山西省在商业长护险发展过程中的进步与存在的问题进行了概括总结。从供给的角度,发现就目前而言,商业长护险产品设计缺陷、保险公司开发长护险的质量、数量均不足、护理人员队伍供不应求、长护险的正外部性是商业长护险供给不足的主要原因,并且针对问题提出对策建议,对未来山西省商业性长护险的发展具有非常重要的现实价值。本文的不足之处在缺失个体购买商业长护险的数据,无法针对微观需求方进行供需对比分析。
China’s long-term protection insurance model officially launched in 2014 is the government- spon-sored business cooperation. At present, social long-term care insurance in Shanxi Province is only piloted in Linfen area. Although it has reduced the burden of medical care for the local disabled and semi-disabled elderly, it cannot fully meet the multi-level long-term care requirements of the el-derly. Based on the analysis of the current situation of commercial long term care insurance in Shanxi Province, this paper points out the necessity of developing commercial long term protection insurance in Shanxi Province as a supplement to social long term protection insurance, and sum-marizes the progress and existing problems in the development process of commercial long term care insurance in Shanxi Province. From the perspective of supply, found that for now, commercial long insurance product design defects, insurance company development long insurance quality, quantity are insufficient, nursing staff team in short supply, long insurance positive externalities is the main reason for the commercial long insurance supply, and put forward countermeasures, for the development of future commercial long insurance in Shanxi Province has very important prac-tical value. The deficiency of this paper is the lack of data on individual purchase of commercial long care insurance, and the comparative analysis of supply and demand for the micro demand side.
出处
《应用数学进展》
2022年第9期6130-6137,共8页
Advances in Applied Mathematics
