我國公營長期照護與商業性長期看護保險之互補性認知研究

The Research About Recognition Of The Public& Commercial Long-Term Care Insurance

趙瑾瑜(Chin-yu Chao)

指導教授 ： 蘇文斌

朝陽科技大學/管理學院/保險金融管理系/碩士(2010年)

摘要

由於老年人口比例逐年增加，加上疾病型態與婦女外出工作比例的改變，台灣已逐漸成為高齡少子化社會，根據推估，民國139年台灣地區老人因日常生活活動或認知功能障礙而需要長期照護者可能142萬人，而也因老年人口急遽增加，照護需求將會快速暴增，老年人口照護之社會問題也逐步浮現。因此如何在現有的公營體制與民營提供的保險商品之下將長期照護的資源與需求作一最適的配合，將是迫切的問題。
我國在公營長期照護部分，目前僅以社會福利與社會救助方式及全民健保擴大範圍來與以支應相關費用及需求，透過社政、衛政及榮民之三大系統來提供。但其參與的體系及法規漸漸增多並複雜，加上長期照護需求量增加但相對應的居家照護資源服務設施卻仍等待開發及誘導，完成並發展衍伸完善的長期照護系統，勢必是刻不容緩。現今政府計劃在全民健保增辦長期照護保險，若開辦成功將對於政府及民眾皆能減輕其負擔，同時亦希望藉由將所有長期照護人力資源，進行提昇與整合，務求落實使老人能皆有所養，甚至能追求「在地老化」之狀態。
至於我國的商業型長期照護保險，目的為補足在現行體制之下公營長期照護之不足，由於社會提供的長期照護為最低基本保障，故有長期照護需求之個人或家庭，可以透過購買商業型長期照護保險，完成最適保障。唯我國於推出商業型長期照護相關商品之後，銷售成績一直乏人問津，甚至民眾對於商業型長期照護險也所知甚少，因此本研究以此兩類長期照護為標的，對民眾做互補性認知的研究。
本研究將透過隨機抽樣的問卷方式，並使用次數分配、單因子變數分析等方式，透過SPSS來進行實證分析，以了解民眾對於兩類的長期照護認知程度。主要結論如下：
一、民眾對於公民營長期照護認知方面，包括醫療制度及自負額規定並不了解。
二、針對現行的公營長期照護，受訪者並不滿意其範圍與給付方式，並希望提升效率。
三、針對商業型長期照護，受訪者普遍認知不足，有賴各壽險公司保險輔助人提供相關資訊給消費者。

關鍵字

單因子變數分析 ； 商業型長期看護保險 ； 長期照護

並列摘要

As the elderly population increases every year, coupled with disease patterns and changes in the proportion of women work outside the home, Taiwan has gradually become the old declining birthrate society, according to estimates, the Republic of China 139 years old in Taiwan due to activities of daily living or cognitive dysfunction, which require long-term caregivers may be 1.42 million, while the elderly population is also due to rapid increase in demand will quickly surge care, care of the elderly population is also gradually emerging social issues. So how in the existing public system and private provision of insurance products under the long-term care resources and needs to make an optimal co-ordination, will be an urgent issue.
In the public part of our long-term care is currently only means of social welfare and social assistance and universal health insurance be extended to communicate with to cover the associated costs and demand, through local government, health, governance and Veterans of the three systems to provide. However, their participation in the system and regulations and to gradually increase in complexity, coupled with the increased demand for long-term care, but the corresponding resources for home care services and facilities are still waiting for the development and induced an extension to complete and develop a sound long-term care system, is bound to be imperative.
Now the Government plans to increase national health insurance to do long-term care insurance, if the start-up success will have encountered the Government and the general public to reduce their burden, but also hoping that through all the long-term care of human resources for upgrading and integration.
As for China''s business-type long-term care insurance, its purpose was to complement the public sector in the long-term care under the current system inadequate, due to the long-term care community to provide the minimum basic security, so it is the long-term care needs of individuals or families can purchase a commercial-type long-term care insurance, and complete the best protection. Only China''s launch of the long-term care business-related goods, the sales performance has been little interest, and even the public for business-type long-term care insurance is also know very little about, so this study, two types of long-term care as the subject, for the people to do complement each other cognitive research.
In this study, a random sample of the questionnaire, and use the frequency distribution, single-factor regression analysis, etc., through SPSS to conduct empirical analysis to understand the public for the two types of long-term care awareness. The main conclusions are as follows:

1. The public awareness for the public and private long-term care, including health care system and do not understand the deductible requirements.
2. Long-term care for the existing public sector, respondents were not satisfied with the scope and payment of their way, and want to upgrade the efficiency of
3. For business-type long-term care, respondents generally lack knowledge of much assistance to provide life insurance companies insurance information to consumers

並列關鍵字

single-factor analysis of variables ； long-term care ； business-type long-term care insurance

參考文獻

4. 劉雅文(2006)：探討失能老人家庭選擇長期照護福利服務之決策過程-老人自主權之分析。東吳社會工作學報，第14期，第91-123頁

1. 吳淑瓊(1998)。老人長期照護政策評估。社會福利，87年10月，第2-9頁。

參考文獻

一、中文部份：

(一) 書籍