長期照顧保險制度之規劃

Planning Long-term Care Insurance in Taiwan

鄭文輝(Wen-Hui Cheng Peter) ； 鄭清霞(Ching-Hsia Cheng)

《研考雙月刊》 32卷6期 (2008/12) Pp. 3-11

https://doi.org/10.6978/YKSYK.200812.0003

摘要

本文從規劃原則、制度設計與配套措施等3方面探討我國規劃長期照顧保險制度時應考量的主要議題。
本文主要發現可歸納有5項：
一、規劃長期照顧保險的目標應在於建構普及而多元的長期照顧服務體系與健全的財務機制，俾提供基本、必要，且適當品質的長期照顧服務。
二、在制度設計上，必須明確界定所欲保障的對象，照顧需要性以及各項照顧服務項目。
三、為確保照顧服務品質，長期照顧保險應訂定適當支付制度與管理機制。
四、為維繫長期照顧保險制度的永續發展，必須建構健全的財務制度與行政體制。
五、未來長期照顧保險實施必須整合現有的資源，包括全民健保、社會福利，與第3部門志願服務；並重視地方政府扮演的角色，且應鼓勵商業保險與建構不動產反抵押制度提供補充性保障。
基於上述發現，對於我國長期照顧保險的規劃及實施，提出3項行動策略的建議：
（一）及早宣示政策走向，剋期3年內完成具體規劃。
（二）檢視現行10年長期照顧計畫，加強充實人力、物力整備。
（三）完成規劃後，訂期1年內完成立法，再進行2年籌備實施事宜。

關鍵字

長期照顧 ； 長期照顧保險 ； 長期照顧財務規劃

並列摘要

This paper explores major issues on planning long-term care insurance in Taiwan, including guiding principles, system design and collaborative measures.
Five major findings from this study are as follows:
(1) The objective of planning long-term care insurance is to establish a prevailing and diverse provision system with sound financial mechanism, which not only provides basic and necessary services but also qualified long-term care services.
(2) In system design, beneficiaries, long-term care need and various care service provisions must be clearly defined.
(3) Payment system and care management should be designed to insure service quality.
(4) Financial and administrative arrangements must be set up to make a sustainable system.
(5) LTC insurance should coordinate resources with other sectors of national health insurance, related social welfare services and voluntary services; local governments are playing important roles in commercial long-term insurance and estate reverse mortgage system should also be encouraged to provide supplementary services.
Three action strategies for implementing LTC insurance in Taiwan are suggested: (1). Announcing policy orientation as soon as possible and finalizing plan details within three years; (2). Reviewing current ten years long-term care plan and enhancing service resources; (3). Passing the legislation within one year after the plan is completed, then making two years preparations for launching the program.

並列關鍵字

long-term care ； long-term care insurance ； financial planning of long-term care