我國長期照護保險資源整合之研究

A Study on the Integrated Resources of Long-Term Care Insurance in Taiwan

李慧枝(Hui-Zhi Li)

指導教授 ： 呂慧芬

淡江大學/商學院/保險學系保險經營碩士在職專班/碩士(2012年)

https://doi.org/10.6846/TKU.2012.00032

摘要

我國因受「高齡少子化」的社會變遷、平均餘命的延長，使得國人必須正視老人生活的退休生活費、醫療以及照護等三大問題。其中退休生活費及醫療費用部分，已有國民年金、勞保年金，以及全民健康保險提供國人基本保障；至於照護部分，政府已於2011年3月通過「長期照護服務法」，並預定於2012年推動「長期照護保險法」之立法，期能為國人建構一個完整的年金、醫療、照護的老人照護體系。

然而，在現今國家財政預算有限的情況下，政府提供的公共性長期照護保險制度，勢必無法滿足國人照護服務需求的「質」與「量」。因此，在政府提供之照護服務需求外，保險業者應積極檢視現有長期看護保險商品進行必要修正、或適時研發新型長期看護保險品，始能與公共性長期照護保險進行整合，共同營造一個「質量」兼具的長期照護體系。

本研究首先觀察已實施公共性長期照護保險的德、日、韓三國，瞭解各國政府提供長期照護服務的基本保障範圍，以及各國保險業者如何補足公共性長期照護保險不足之處。其次，另就未實施公共性長期照護保險制度之英、美兩國進行觀察，瞭解兩國保險業者在政府未提供基本長期照護服務保障之情形下，長期看護保險之商品類型與經營模式。期能藉由對國際間主要國家兩種經營型態之分析觀察，為我國長期看護保險商品之整合提供參酌學習之用。

本研究之結論為在政府未實施公共性長期照護保險以前，應參酌英、美等國之作法，以長期看護保險商品、或類長期看護保險商品，以為因應國人對長期照護服務之需求。其次，在未來政府施行公共性長期照護保險後，保險業者應積極研發諸如微型長期看護保險商品等新型態之保險商品，與公共性長期照護保險進行整合，為國人建構一個質量並重的長期照護服務體系。

關鍵字

長公共性期照護 ； 商業性長期看護 ； 微型看護保險商品

並列摘要

Based on Taiwan society situation now are the advanced age ,low fertility rate, and the living time extension, We need to focus on the retired living expense, Medical expense and long-term care. These three major issues already have National Annuity, Labor insurance annuity and National Health Insurance to provide the basic coverage. But for the long-term care portion, the government had passed “Long-Term Care Service Law” in March 2011, The government is also preparing to implement “Long-term Care Insurance Law” in 2012, All these 2 laws are expected to provide a complete system of annuity, the medical service and long-term care of old people lives.

However, the social welfare budget is limited, currently the service that Government provided can’t satisfy general citizen’s expectation on Quantity and Quality, Therefore, except the service that government can provide, the insurer should actively review the existing Private Long-Term Care Insurance products to make the necessary amendments, or timely development of new long-term care insurance products, beginning with the Public Long-Term Care Insurance, integration, and jointly create a quantity and quality both long-term care system.

The thesis is firstly observation on Public Long-Term Care Insurance of Germany, Japan, South Korea. To understand Every Government providing basic long-term care coverage, and national insurers to make up the inadequacies of the Public Long-Term Care Insurance. Secondly, to observed the country that is not implemented on the Public Long-Term Care Insurance, such as the United Kingdom and the United States, To understand the insurer in which the government does not provide basic services to protect the long-term care cases, long-term care insurance product types and business models. Based on a view to the international business major country, two types of analysis are for our long-term care insurance products and providing the integration taken in learning.

The study concludes that the government not to implement Public Long-Term Care Insurance, it shall be taking into account any British, American and other countries of the practice, Private Long-Term Care Insurance product, or class of Private Long-Term Care Insurance products to people on long-term care services in response to demand. Secondly, in the future the Government to implement the Public Long-Term Care Insurance, the insurer should be actively developed, such as Miniature commodity of Long-Term Care Insurance products and other new types of insurance products, and the Public Long-Term Care Insurance, to integrate, for the people to construct a quality and quantity of long-term care services system.

並列關鍵字

Public Long-Term Care Insurance ； Private Long-Term Care Insurance ； Miniature commodity of Long-Term Care Insurance

參考文獻

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