中国长期护理保险试点政策“碎片化”与整合路径

摘要/Abstract

摘要： 为解决在我国人口老龄化背景下传统养老服务的诸多难题,从2016年开始在全国15个城市试点推行长期护理保险制度。通过对试点城市政策的效果评估,研究发现长期护理保险在覆盖面、筹资来源、护理服务、基金管理以及业务经办等方面呈现出一系列“碎片化”特征。这就意味着政策要进行顶层设计,在服务理念、受益对象、筹资机制、服务传递等方面开展重点整合,进而,从完善失能评估标准、城乡居民全覆盖、多渠道筹资、待遇支付水平、居家照护服务、重点关注康复服务以及孕育PPP市场服务等方面实行方向性和功能性整合,为下一步扩大覆盖面奠定基础。

关键词: 人口老龄化, 养老服务, 政策碎片化, 长期护理保险, 整合路径

Abstract: To solve the dilemma of the traditional service for the aged in the context of China’s aging population, a long-term care insurance system has been put into effect in China’s 15 piloting cities across the country since 2016. Through the evaluation of the effect of the long-term care insurance policy in the pilot cities, this study finds out that the long-term care insurance presents a series of“fragmentation”characteristics in such aspects as the coverage, the source of financing, the care service, the fund management and the business operation. This means that the policy should be designed at the top level, and an integration should be carried out in terms of the service concept, the beneficiaries, the financing mechanism, and service delivery, etc.. Then, a directional and functional integration should be carried out from such aspects as the improvement of disability assessment standards, the full coverage of urban and rural residents, the multi-channel financing, the payment level of special treatment, the home care services, the focused rehabilitation services, and the breeding of PPP market services, so as to lay the foundation for the further expansion of the coverage.

Key words: population aging, service for the aged, policy fragmentation, long-term care insurance, integrating path

中图分类号:

D669.6

戴卫东, 余洋. 中国长期护理保险试点政策“碎片化”与整合路径[J]. 江西财经大学学报, 2021, 0(2): 55-65.

DAI Wei-dong, YU Yang. The Fragmentation and Integrating Path of the Pilot Policies of China's Long-Term Care Insurance System[J]. Journal of Jiangxi University of Finance and Economics, 2021, 0(2): 55-65.

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