Research on Sustainability of Long-term Nursing Insurance Model of “Relying on Medical Insurance”-Based on the comparison between urban and rural residents and urban workers

Abstract

Abstract: By calculating the long-term care needs of urban and rural residents and constructing an actuarial model of medical insurance, it is found that the establishment of long-term care insurance system relying on urban and rural residents' medical insurance will increase the deficit of medical insurance funds for urban and rural residents, so the proportion of medical insurance fund expenditure in the financing of long-term care insurance should not exceed 20%, but the operation of the system can be maintained by means of financial subsidies. In this mode, the maximum financial burden ratio does not exceed 4.67%. The establishment of long-term care insurance system based on urban employees' medical insurance will threaten the safety of the staff's medical insurance pooling fund, which should be carefully adopted under the current medical insurance system.

Key words: relying on medical insurance, long-term care insurance, medical insurance fund, actuarial balance

CLC Number:

F840.612

TIAN Yong, YIN Jun. Research on Sustainability of Long-term Nursing Insurance Model of “Relying on Medical Insurance”-Based on the comparison between urban and rural residents and urban workers[J]. , 2019(02): 91-101.

References

[1] 杨菊华,王苏苏,杜声红.中国长期照护保险制度的地区比较与思考[J].中国卫生政策研究,2018(1):1-10.

[2] 胡宏伟,李延宇.我国老年长期照护保险筹资、补偿水平优化设计研究-兼论老年照护保险框架设定[J]. 河北大学学报(哲学社会科学版), 2017 (5):117-128.

[3] Caroline Glendinning,Michaela Schunk,Eithne Mclaughlin.Paying for Long-Term Domiciliary Care:A Comparative Perspective[J].Ageing & Society,1997,(17):123-140.

[4] Campbell,J.C.,Lkegami N.,Gibson M.J.,"Lessons From Public Long-term Care Insurance in Germany and Japan"[J].Health Affairs,2010,29(1):87-95.

[5] Rhee,J.C.,N Done,G.F. Anderson.Considering long-term care insurance for middle-income countries:comparing South Korea with Japan and Germany[J].Health Policy,2015,119(10):1319.

[6] 荆涛. 长期护理保险研究[D]. 北京:对外经济贸易大学, 2005.

[7] 汤文巍. 上海市老年长期护理保险(LTCI)研究[D]. 上海:复旦大学, 2005.

[8] 戴卫东.中国长期护理保险制度构建研究[M]. 北京:人民出版社, 2012.

[9] 吕国营,韩丽.中国长期护理保险的制度选择[J].财政研究,2014(8):69-71.

[10] 刘昌平,毛婷.长期护理保险制度模式比较研究[J]. 西北大学学报(哲学社会科学版), 2016,(6):112-119.

[11] 张盈华.老年长期照护的风险属性与政府职能定位:国际的经验[J]. 西北大学学报(哲学社会科学版), 2012 (5):40-46.

[12] 吕学静.我国失能老人照护保险的缺失与应对[J].中国医疗保险, 2013 (12):14-16.

[13] 朱铭来, 贾清显. 我国老年长期护理需求测算及保障模式选择[J]. 中国卫生政策研究, 2009(7):32-38.

[14] 陈晓安. 公私合作构建我国的长期护理保险制度:国外的借鉴[J]. 保险研究, 2011 (11):55-60.

[15] 刘金涛, 陈树文. 我国老年长期护理保险筹资机制探析[J]. 大连理工大学学报(社会科学版), 2011(9):44-48

[16] 戴卫东. 国外长期护理保险制度:分析、评价及启示[J]. 人口与发展, 2011 (5):80-86.

[17] 盛和泰. 我国长期护理保险体系建设的运营模式选择[J]. 保险研究, 2012 (9):46-50.

[18] 邓晶,邓文燕.长期护理保险第一批试点城市保险筹资方案比较分析[J].中国卫生政策研究,2017(8):13-17.

[19] 刘锦丹,吕伟波,徐青,王志红.社区卫生服务中心家庭护理项目的成本核算[J].解放军护理杂志,2010(5B):736-738.

[20] 曾友燕,王志红.英国老年人家庭护理服务需求现状及其成本预算模式[J].中华护理杂志,2015(12):953-953.

[21] 彭雅君,李文燕, 陈瑞华等.急诊病房分级护理服务项目成本研究[J].护理管理杂志,2010(2):68-70.

[22] 史承明,陈玉红,熊小燕.住院病人等级护理收费现状调查与分析[J].全科护理,2011(4):1025.

[23] 张心洁,周绿林,曾益.生育政策调整对城乡居民医疗保险财政负担的影响研究[J].财政研究,2017(10):76-91.

[24] 魏瑾瑞.基于动态面板数据模型的失业与经济增长的再考察[J].中国经济问题,2012(1):54-58.

[25] 何文炯,徐林荣,傅可昂等.基本医疗保险"系统老龄化"及其对策研究[J].中国人口科学,2009(2):74-83.

[26] 崔斌,王丽莉.2014年全国基本医疗保险参保患者年度医疗费用负担分析[J].中国卫生经济,2012(6):35-37.