长期护理保险的国际比较及对我国的启示

摘要 我国目前正在某些地区试点长期护理保险制度，但如何建立这项制度，缺乏实践的成功经验。长期护理保险制度在国外已经有几十年的发展历史，其从模式选择、参保对象、资金来源和待遇给付等方面均进行了构建和发展，产生了积极的社会效应，对我国具有重要的启示。这些启示包括重视制度的顶层设计、明确制度的定位、重视非正式护理人员的作用、发挥市场机制的作用等，我们应该积极借鉴这些国外经验，从而构建高效、可持续性的长期护理保险制度。
Abstract： China is currently carrying out pilot work for long-term nursing insurance system in some areas, but we are lack of successful practical experience in establishing this system. Some foreign countries have witnessed decades of development of a long-term nursing insurance system, which has been constructed and developed in aspects of model choice, insurance applicants, fund source and wage payment. The system has positive social effect, and China can learn from it in the following aspects: attaching great importance to the top-level design of the system, clarifying the orientation of the system, focusing on the function of informal nurses and putting the market mechanism into the full play. In this way, we can establish an efficient and sustainable long-term nursing insurance system.