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| Title: | 我國長期照護資源不足問題之探討-以實物給付型長照保險為核心
Research on the Problem of Long-term Care System in Taiwan |
| Authors: | 林怡勤
Lin, Yi-Chin |
| Contributors: | 彭金隆
Peng, Jin-Lung
林怡勤
Lin,Yi-Chin |
| Keywords: | 高齡社會
長期照顧
長期照顧十年計畫2.0
商業長期照顧保險
照顧人力不足
實物給付型保險
實物給付
An aged society
Long-term care
The 10-year long-term care plan 2.0
Long-term care commercial insurance
Labor shortage
Insurance with in-kind benefit
In-kind payment |
| Date: | 2021 |
| Issue Date: | 2021-03-02 14:19:48 (UTC+8) |
| Abstract: | 我國目前65歲以上老人占總人口比率高於14%，為高齡社會；根據中華民國人口推估資料，得知我國目前人口已從自然增加轉為自然減少，呈現少子化情況。對於日益增加的老年人口，其晚年照顧問題成為隱憂，老年長期照顧議題近年來也受到重視。
政府推動長期照顧十年計畫2.0，希望建立以社區為基礎的照顧型社區，提供老者多元連續性服務，盼能給予他們安心舒適的老年照顧。政府和民間設有長期照顧機構，透過機構式照顧，希望給予照顧需求者專業性照顧，符合照顧需求。然而，長期照顧發展面臨照顧人力不足問題，在薪資低、缺乏專業能力和扁平職涯發展下，無法吸引足夠人力加入長期照顧行列，面對未來逐漸增加的老年人口，照顧人力不足成為一大困境。
民間保險公司推出商業型長期照顧保險，讓民眾透過投保，提早部署老年生活。除了傳統現金給付型保險，近年來，亦推出實物給付型保險，保險公司和照顧機構合作，當未來保險事故發生時，透過直接提供照顧服務，以實物給付方式來滿足保戶需求，此舉，也能拓展保險新市場。本文擬探討實物給付型長照險和傳統現金給付型長照險之優劣，並試圖討論以實物給付型長照險改善我國長照發展困境之可能。
本文藉由研究國內和國外相關規定，蒐集並分析文獻資料，希望能從中得到經驗，並就我國遇到之困境，盼能給予綿薄解決建議，以補足缺漏之處。
At present, Taiwan had become an aged society since the proportion of people over 65 years old is higher than 14%. According to the population estimation data of Taiwan, it is known that the current population of our country has changed from a natural increase to a natural decrease, showing a situation of low birth rate. Due to the increasing number of elderly people, the problem of taking care of them in their twilight years has become a hidden crisis, and the issue of long-term care for the elderly has also give rise to a huge awareness in recent years.
In the hope of establishing care-oriented communities, and providing a diversified and continuous services for the elderly, the Taiwanese government had launched the 10-Year Long-term Care Plan 2.0 and the private sector had established long-term care institutions. Through institutional care, they hope to provide professional care to those in need; however, long-term care development has faced the problem of labor shortage. With low salary, lack of professional ability and flat career development, it is impossible to attract enough workforce to join the industry of long-term care. In the face of the gradual increase in the elderly population in the future, the issue of labor shortage thus becomes a major dilemma which needs to be solved.
Private insurance companies have launched commercial long-term care insurance which enables people to plan their elderly life in advance. In addition to traditional cash payment insurance, insurance with in-kind benefit has also come into practice in recent years. Whenever insured incidents occur, insurance companies and care organizations will cooperate to meet the needs of insurers by directly providing care services. By doing so, such a mechanism can also enlarge the market share of the insurance industry. This article intends to discuss the pros and cons between insurance with in-kind benefit and traditional cash payment insurance. Besides, it also aims to figure out the possibility of using insurance with in-kind benefit to ameliorate the dilemma of long-term insurance in Taiwan.
By doing research from both domestic and foreign regulations, it is my expectation that this article may provide a profound insight with regard to the precedent examples and solutions which may make up for the current deficiencies. |
| Reference: | 1.台北醫學大學衛生政策暨健康照顧研究中心，2009，德國照顧保險介紹，台北醫學大學衛生政策公報第26期。
2.江清馦，2009，德國、荷蘭長期照顧保險內容與相關法令之研究，行政院經濟建設委員會委託研究報告。
3.呂慧芬、童靜文，2014，我國開辦實物給付型長期照顧保險之探討，保險經營學報第2期，頁77-98。
4.李志妤，2003，日本長期照顧保險法制之研究，國立政治大學法律研究所碩士論文。
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6.李維潔，2003，美國長期護理保障簡介，國外醫學衛生經濟分冊第20卷第4期，頁160-163。
7.林士聘，2010，長期照顧保險商品及消費者購買須知之探討，國立政治大學經營管理碩士學程風險管理與保險組碩士論文。
8林士聘、李姿瑩，2010，日本長期照顧保險市場現狀之探討，保險經營與制度第9卷第2期，頁211-237。
9.林玉英，2015，從社會保險與商業保險探討我國長期照顧制度，朝陽科技大學保險金融管理系碩士論文。
10.林谷燕，2009，德國長期照顧制度之探討，財團法人國家政策研究基金會研究報告。
11.林其毅，2013，台灣地區民眾對老年安養照顧與長期照顧保險需求之研究，國立政治大學風險管理與保險研究所碩士論文。
12.林青蓉，2007，長期照顧概論，初版，五南文化事業。
13.邵靄如，2010，我國長期照顧服務內涵、成本及調整機制分析計畫，內政部委託研究報告。
14.郝充仁，2014，因應高齡化社會保險相關制度與商品之研究期末報告，保險業務發展基金管理委員會。
15.張志宏、趙韻如、劉祐如，2009，長期照顧保險制度與推動之研究，行政院金融監督管理委員會九十八年度委託研究計劃。
16.莊毅冠，2009，美國醫療救助法制之研究，國立政治大學法律研究所碩士論文。
17.陳玉蒼，2005，日本介護保險之介紹，社區發展季刊第110期，頁351-358。
18.衛生福利部，2016，長期照顧十年計畫2.0(106-115年)核定本。
19.衛生福利部，2017，中華民國106年老人狀況調查報告。
20.羅翊維，2017，實物給付保險與其法律問題之研究，東海大學法律學系研究所碩士論文。 |
| Description: | 碩士
國立政治大學
風險管理與保險學系
107358002 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0107358002 |
| Data Type: | thesis |
| DOI: | 10.6814/NCCU202100305 |
| Appears in Collections: | [風險管理與保險學系] 學位論文
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