长期护理保险的融资可持续性:来自中国南宁的一个例子
Butong Chen1,2, Xuhao Zhu1,3, Huiyu Wang1
1College of Humanities and Social Sciences, Guangxi Medical University, Nanning, China.
Frontiers in public health
|May 7, 2025
概括
中国中国中国中国.
科学领域:
- 老年学与公共卫生
- 卫生经济学 卫生经济学
- 社会政策 社会政策 社会政策
背景情况:
- 由于人口快速老龄化,中国面临重大挑战.
- 对于老年人和残疾人长期护理服务的需求日益增长.
- 长期护理保险的可持续融资机制至关重要.
研究的目的:
- 为了估计南宁居民长期护理保险的未来缴费水平.
- 分析政府和个人贡献的财务可行性.
- 为可持续的长期护理融资提供政策信息.
主要方法:
- 使用PADIS-INT和国际劳工组织 (ILO) 的融资模式.
- 分析了南宁统计年鉴和政府政策文件中的数据.
- 预计2025年,2030年和2035年的保险缴费水平.
主要成果:
- 预计每年平均长期护理保险缴费将从2025年的108.80元上升到2035年的202.71元.
- 政府的财务责任估计在年收入的0.34%至0.50%之间.
- 从2025年到2035年,个人居民的溢价支付预计在10.7万至16万元之间.
结论:
- 政府和居民都能承受预计的长期护理保险费用.
- 个人贡献仍然很大,需要提高意识和参与.
- 为实现可持续性,建议采用多道,动态的融资机制.
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