长期护理保险

德国强制性长期护理保险概述及启示

General Statement and Inspiration of Germany Compulsory Long-term Care Insurance

第五章我国长期护理保险供求均衡探讨。

The equilibrium of supply and demand of long-term care insurance in China .

保障范围上，长期护理保险产品可先提供基本的保障，再向全面保障过渡；

Basin safeguard is prior to complete guarantee in insurance extent ;

长期护理保险的概念界定

On Concept Definition of Long - term Care Insurance

1995年起，德国设立长期护理保险并纳入《社会法典》。

Germany established long-term care insurance and put it into the social code in 1995 .

第二章长期护理保险概述。

Overview of long-term care insurance .

如果你的母亲还可以投保，请考虑为她购买一份长期护理保险。

If your mom is still insurable , consider getting her a long-term care insurance policy .

2000年4月日本正式开始实施全民长期护理保险计划。

Japan started to carry out the plan of Public Long-Term Care insurance in April , 2000 .

长期护理保险研究

Long Term Care Insurance

我们的邻国日本和韩国也于本世纪相继推出了社会性的长期护理保险制度。

By the beginning of this century , Japan and Korea also launched social long term care insurance system .

长期护理保险是适应人口老龄化社会发展趋势的保险产品，属于健康保险的一种。

Long-time care insurance is a type of health insurance . It conforms to the trend of the aging society .

在中国，长期护理保险能否实施？关键问题是这种保险制度的运行成本如何。

In China , Can the long-term care insurance be implemented ? The key issue is the cost of such system ?

在长期护理保险制度、人力资源、服务传递、监督管理方面都有许多经验值得学习和借鉴。

In the long-term care insurance system , human resources , service delivery , supervision and management have many experiences and learn from .

首先界定了长期护理保险的涵义，并介绍其内容和选题背景意义，为下文作理论铺垫。

Firstly , it identified Long-Term Care Insurance product , and analyzed both the content and background . This is the theory basic things .

在借鉴德国经验的基础上提出了我国发展长期护理保险时基金的筹资方式以及基金管理的建议。

In order to establish our long-term care insurance , the authors propose ways of funding financing and management on the basis of the experiences from Germany .

这样，在需求和供给两方面的共同努力下，最终才能逐步实现我国长期护理保险的供求均衡。

With the joint efforts on demand and supply , we will achieve the balance between supply and demand of long-term care insurance in our country gradually .

长期护理保险是适应老龄化社会发展趋势的保险产品，是解决人口老龄化问题的较好途径之一。

Long-term care is an insurance product that suits the aging trend of population , and therefore is one of the solutions to the issue of population aging .

本文根据英文“长期护理保险简介”一文翻译，仅作提供资讯之用。

The document is translated from the English language document " long-term care insurance : what you need to know ", and it is for information purposes only .

论我国长期护理保险的建立与发展&通过与日本的比较

On the Establishment and Development of a Long-Term Care Insurance System in China & Based on the Comparison of Long-Term Care Insurance of China and that of Japan

在这些理论和事实的基础上，论证在上海推行商业长期护理保险的可行性与必要性。再从保险产品和宏观制度的层面探索商业长期护理保险的开发模式。

Based on such facts , we will demonstrate the feasibility and necessity of implementation of commercial long-term care insurance , and explore its development model from insurance product and macro-system level .

第二步，由国家、企业、个人共同参与的社会基本长期护理保险和商业长期护理保险相结合，商业长期护理保险作为补充保险的模式；

Step two : having the government , employers , and employees involved in a combination of social basic long term care insurance and supplementary commercial long term care insurance that strengthens one another ;

这些现状的存在，使得通过大力发展商业长期护理保险来满足失能老年人的护理需求变得尤为重要，还可以弥补社会保障的空白。

Therefore , make great efforts to develop business through long-term care insurance to meet the disability needs of the elderly care is particularly important , also can make up for gaps in social security .

因此目前我国发展长期护理保险应当以探索为主，在市场经济条件下，将长期护理保险以商业性保险的模式来加以推广，即由保险公司自行开发产品、销售。

At present to developing long-term care insurance , we should promote it as commercial insurance at the background of market economy . The insurance company develops and sells the long-term care insurance product spontaneously .

在对美国、日本、德国的两种长期护理保险模式进行国际比较之后，本研究以此为切入点，系统剖析现有长期护理发展模式。

After the international comparison between the two development models of long-term care insurance of the United States , Japan , Germany , I take it as a starting point , analyses existing long-term care models .

我国目前还没有成熟的长期护理保险产品，但随着老年人口急剧增长，社会呼唤长期护理保险产品早日面市。

At present , there is still not matured long-term care product in our country , but with the increasing of old population , the society appeals to the early launch of long-term care insurance products .

保险公司提供长期护理保险的技术水平，长期护理保险的费率以及市场环境，信息不对称等多种因素共同影响着长期护理保险的供给。

The technical level of insurance companies provide long-term care insurance , long-term care insurance premium rates and the market environment , information asymmetry factors , so many factors affect the supply of long-term care insurance .

最后介绍了长期护理保险的主要内容，包括其保障形式和主要条款，并对长期护理保险按三种方式进行了分类。

Finally clear the main contents of long-term care insurance , including its security in the form and the main features , and the long-term care insurance were classified according to three kinds of ways . 3 .

社会形态与家庭结构，长期护理保险的价格及社会经济状况，风险概率以及社会医疗保险保障程度等多种因素共同影响着长期护理保险的需求。

The level of protection of social medical insurance , long-term care insurance prices and socio-economic status , social patterns and family structure , risk probability , so many factors affect the demand of long-term care insurance .

因此本文较为贴近中国的现实情况，根据我国人口和经济发展的特点，提出了一些符合中国国情的促进我国长期护理保险供求均衡的建议。

So this article is close to Chinese reality , according to Chinese population and economic development , this paper made some recommendations on how to promote the balance between supply and demand of long-term care insurance in China .

本文的焦点是对长期护理保险在成都发展的需求实征分析，探索我国城镇居民对长期护理保险的需求情况，以及影响需求的各种因素。

This paper is focus on Demand empirical analysis of the development of long-time care insurance in ChengDu and it explore demand of urban residents to long-term care insurance , and the impact of the demand of various factors .