CAJ | 학술논문

老年长期护理保险( LTCI)是转移老年长期护理( LTC)风险的有效措施，但LTCI的探索体现为一个体系的构建。浙江省老龄化、经济和城镇化水平在我国均处前列，故本文选择有代表性的17个县市调查民众对LTCI的认知和需求。以期以小见大，对我国LTCI进行探索性研究。文章以需求为视角，基于浙江省实际，分析实施LTCI的可行性和阻碍因素，得出了可单独设置社保型LTCI的基本结论，勾勒出包括具体险种安排、服务输送和质量控制及其他支撑为主体的老年LTCI体系。具体给出将60岁以上的老年人作为保障对象，采用基金积累( FF)的方式进行筹资，财源主要包括个人和各级财政，给付以实物为主；应积极完善需求评估、重视服务输送和质量管理，探索相关法律等建议。
노년장기호리보험( LTCI)시전이노년장기호리( LTC)풍험적유효조시，단LTCI적탐색체현위일개체계적구건。절강성노령화、경제화성진화수평재아국균처전렬，고본문선택유대표성적17개현시조사민음대LTCI적인지화수구。이기이소견대，대아국LTCI진행탐색성연구。문장이수구위시각，기우절강성실제，분석실시LTCI적가행성화조애인소，득출료가단독설치사보형LTCI적기본결론，구륵출포괄구체험충안배、복무수송화질량공제급기타지탱위주체적노년LTCI체계。구체급출장60세이상적노년인작위보장대상，채용기금적루( FF)적방식진행주자，재원주요포괄개인화각급재정，급부이실물위주；응적겁완선수구평고、중시복무수송화질량관리，탐색상관법률등건의。
Elderly long-term care insurance ( LTCI ) is an effective measure to transfer elderly long-term care ( LTC ) risk. Meanwhile,LTCI should be as a system. Zhejiang province,aging,economic development level and the level of ur-banization are at the forefront in China,so this paper select a representative survey of 17 counties to explore awareness and demand for LTCI of people,in order to see the research on the development of LTCI in China. From the view of de-mands,based on Zhejiang practice,the paper analyzed the feasibility and disincentives of implementing LTCI,obtained the basic conclusions that social security type LTCI can be individually set,outlined a main elderly LTCI system inclu-ding the insurance arrangements,service delivery and quality control and other supports. The author specifically adviced that over the age of 60 should be as the insureds,it should adopt the Fully Funds( FF) approach to financing and in-kind payments mainly,fund sources including individuals and all levels of financial;meanwhile,we need to actively complete LTC needs assessments,pay attention to service delivery and quality management,explore the relevant legal.