隨著高齡化社會的來臨,近年來政府推動了許多相關的長期照護政策,最重要的如目前正在實施的我國長期照顧十年計畫,但若與其他西方先進國家相比,我國的長期照護制度仍相對的零亂與不完善。根據聯合國衛生組織的標準,我國已屬於高齡化的國家,且未來的增長速度將不斷的加快進行。因此在此種社會人口結構的演進之下,如何確保國民在生命的晚年及不幸遭逢失能的狀態下仍能保有生活的尊嚴與品質,並減輕家庭沉重的經濟負擔,為政府迫切需要面臨的問題。 隨著我國長期照護制度的演進,2011年行政院通過長期照護服務法草案,緊接著是銜接長期照護保險制度的實施,在以往國人的家庭成員若有長期照護的需求,常會依賴聘用外籍看護工,隨著政府積極規劃長期照護制度,希望未來能將長期照護需求者引導至正常的社會福利體系之中。本論文既是將我國過去長期照護制度的演進及目前規劃中的長期照護保險制度加以概況探討,並透過參考其他國家的長期照護制度及商業型長期看護保險商品所扮演的角色,予以了解未來我國長期照護制度應注意的規劃方向。
With the advent of an aging society, the government has promoted several long-term care policies such as the Ten-Year Plan for Long-Term Care in Taiwan. Compare to other advanced Western countries, however, the long-term care system in Taiwan is still relatively disorganized and incomplete. According to World Health Organization''s standards, Taiwan is qualified as an aging society, a tendency that shows no sign of slowing down. How to ensure the dignity and quality of living one’s twilight years and how to reduce the financial burden of families with elderly members thus become the urgent agenda for Taiwan’s government. As Taiwan’s long-term care system continues to develop, the Executive Yuan has passed the draft law on long-term care services, which is to be followed by the implementation of long-term care insurance policy. In the past when people need long-term care, they often rely on foreign caregivers. With the new long-term care policy, long-term care will become an integral part of social welfare system. This dissertation discusses the development of Taiwan’s long-term care system and investigates the existing long-term care insurance system; it draws on examples from other countries to explore different directions toward which Taiwan’s long-term care policy can move.