Practices,Problems and Countermeasures of the Pilot Operation of Long-Term Care Insurance in China—Taking German's Reform on the Long-term Care Insurance Act as a Reference
Practices,Problems and Countermeasures of the Pilot Operation of Long-Term Care Insurance in China—Taking German's Reform on the Long-term Care Insurance Act as a Reference
The establishment of the long-term care insurance system is an important measure to adapt to the development of the aging society and actively respond to the social problems caused by the aging population.Although certain achievements have been made in the pilot operation of long-term care insurance in China,problems have arisen in fund financing,assessment and determi-nation,etc.,which substantially affect the healthy and stable operation of long-term care insurance.As the earliest country to im-plement the Long-Term Care Insurance Act,German's implementation of the Act has made outstanding contributions to the reduc-tion of the aging pressure of the German society and the protection of the rights and interests of the elderly,but it has also encoun-tered problems similar to those of China at this stage.In order to respond to and amend the problems in practice,German has car-ried out progressive legal reforms on the legal definition of long-term care needs,assessment standards and etc.in the Long-term Care Insurance Act,so as to ensure the sustainable operation of the long-term care insurance system.Based on the current status of practice and problems of long-term care insurance in China,and combined with the legal reform experience of German,this paper suggests that in the process of establishing a long-term care insurance system at the national level in the future,China should ex-pand the scope of long-term care insurance appropriately,establish a dynamic and diversified long-term care insurance financing mechanism,build a scientific and unified long-term care insurance assessment system,implement flexible and diverse long-term care insurance payment models,and attach importance to the supporting long-term care insurance service system,so as to ensure the scientific nature and sustainability of the long-term care insurance system.
关键词
长期护理保险/筹资机制/长期护理需求/德国法经验/认定体系/给付模式
Key words
long-term care insurance/financing mechanism/demands for long-term care services/German legal experience/the assessment system/the payment model
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