摘要
在人口老龄化不断加剧的背景下,商业长期护理保险正迎来黄金发展机遇期。目前,我国商业长期护理保险产品在被保险人范围、给付条件、支付方式、抵御通胀问题等方面存在一定的不足。美国商业长期护理保险产品和我国社会长期护理保险关键要素设计,为我国商业长期护理保险产品优化提供了重要借鉴。优化商业长期护理保险应从长效机制、短期措施入手,构建科学合理的方案。
In the context of increasing population aging, commercial long-term care insurance is ushering in the gold development opportunities. There are lots of defects in China＇s commercial longterm care insurance products,such as,the insured scope,payment conditions, payment methods, to resist inflation and so on. US long-term care insurance products and our social long-term care insurance key elements of the design provide an important reference for China＇s long-term care insurance products. We should build a scientific and rational program form the long-term mechanism and short-term measures to optimize the commercial long-term care insurance.
出处
《金融理论与实践》
北大核心
2017年第10期87-94,共8页
Financial Theory and Practice
基金
中国发展研究基金会委托课题"我国商业健康保险的供给研究"(本课题无编号)
关键词
保险市场
长期护理
商业长期护理保险
比较
insurance market
long-term care
commercial long-term care insurance
comparison
