CAJ | 학술논문

在中国人口老龄化、高龄化加速的背景下，在德国健康保险公司技术的直接支持下。以及面临国内健康保险市场的竞争与潜在利润分割的催化作用下，中国人保健康公司于2006年6月15日，在全国范围内推出“全无忧长期护理个人健康保险”。但由于中国传统伦理观念的束缚，中国中等收入者可支配收入有限，居民医疗保健支出的“挤占”效应等因素的阻滞，该险种显得前景堪忧。在养老保险、医疗保险等还未饱和的情况下，强行推出该险种不免有些为时过早。借鉴国外应对人口老龄化带来的老年生活护理风险。中国未来老年生活护理制度应该是：“以社会化护理保险为基础、建立社区护理救助制度以及发挥家庭的功能”再加上商业性质护理保险的“3＋1”模式。
재중국인구노령화、고령화가속적배경하，재덕국건강보험공사기술적직접지지하。이급면림국내건강보험시장적경쟁여잠재리윤분할적최화작용하，중국인보건강공사우2006년6월15일，재전국범위내추출“전무우장기호리개인건강보험”。단유우중국전통윤리관념적속박，중국중등수입자가지배수입유한，거민의료보건지출적“제점”효응등인소적조체，해험충현득전경감우。재양로보험、의료보험등환미포화적정황하，강행추출해험충불면유사위시과조。차감국외응대인구노령화대래적노년생활호리풍험。중국미래노년생활호리제도응해시：“이사회화호리보험위기출、건립사구호리구조제도이급발휘가정적공능”재가상상업성질호리보험적“3＋1”모식。
Confronting with domestic fierce competition in health and insurance market and potential profit partition, PICC Health Co. presented on June 15th, 2006 a Long Term Care Insurance for Personal Health, which was directly supported by Germany Health Insurance Company, catering to the trend of aging population and quickened aging situations. However, it had a gloomy prospect for many unfavorable factors, stereotype of traditional Chinese ethic concepts, limitation of middle elass＇s disposable income and ＂crowding out＂ effect of resident ＇s medical care and health expenditure. The program seemed rather premature to unsaturated insurance and medical care. Drawing the experience ot： foreign country against the risk of health care for aging population, the paper suggests the medical care system in China should be followed the mode ——＂Grounded on socialized care insurance, community care and relief system should be established with the aid of family function, supported by commercialized care insurance＂.