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长期护理保险是解决老年人护理问题的一个新险种,本文利用保险精算原理根据个人账户平衡原则建立长期护理保险给付模型,估算长期护理保险给付水平,并从微观,宏观两个角度对长期护理保险给付水平进行适度性比较分析,研究发现当借鉴德国缴费率1.95%时,40岁起征给付水平为9079元/年不但可以缓解长期护理经济负担,调动被保险人和单位参保积极性,有效避免护理资源浪费,且符合经济发展需要。
Long-term care insurance is a new insurance to solve the problem of elderly care. In this paper, the insurance actuarial principle is used to establish a long-term care insurance payment model according to the principle of individual account balance. The long-term care insurance is estimated and the long-term care insurance Comparative analysis of the level of payment, the study found that when drawing on Germany’s contribution rate of 1.95%, the 40-year-old levy level of 9079 yuan / year will not only ease long-term care financial burden, mobilize the insured and the unit insured enthusiasm, effectively avoid Nursing resources waste, and meet the needs of economic development.