摘要
随着老年人护理需求的增大,世界上很多国家都出台了长期护理保险制度。长期护理保险制度类型与国家社会保障福利制度类型有着高度的一致性,大致可以分为三类:商业型护理保险制度、互济型护理保险制度、普惠补贴型护理保险制度。其中风险共担的互济型护理保险制度是我国护理保险发展的方向。文章通过对德国、日本和韩国是互济型护理保险制度的分析可以看出,他们的制度有着很多相似性,但又各具特色。德国覆盖人群广、责任多方共担;日本限定在特定人群,财政承担多,地方政府负责运营管理;韩国参保人群广,但受保障人被限定在特定群体。
With the increasing demand for elderly care,many countries in the world have introduced long-term care insurance system.The type of long-term nursing insurance system is highly consistent with the type of national social security welfare system,which can be divided into three types:commercial nursing insurance system,mutual-aid nursing insurance system,and universal subsidized nursing insurance system.Among them,the risk sharing nursing insurance system is the direction of the development of China’s nursing insurance.Germany,Japan and South Korea are typical countries of mutual-aid nursing insurance system.The system has many similarities,but each has its own characteristics.Germany covers a wide range of people,responsibility shared by many parties;Japan is limited to a specific group of people,with a large financial burden,and local governments are responsible for operation and management;South Korea has a large number of insured people,but the insured are limited to a specific group.
出处
《保险职业学院学报》
2018年第6期77-81,共5页
Journal of Insurance Professional College
关键词
长期护理保险
比较
制度
Long Term Care Insurance
Comparison
System
