关于我国照护保障制度构建的若干思考

摘要

The total cost of elderly long-term care is enormous, so it is necessary to make full use of various resources such as the state, society and individuals to construct a sustainably developing system of long-term care security. We should follow such principles as co-contributions, multi-level security and financing together with industrial development. Currently, increasing subsidy for the poor disabled elderly is urgent. While in the long run, we should integrate long-term care insurance program into basic medical insurance, and develop long-term care commercial insurance as a complement to improve this security system.%我国老年照护总费用支出相当庞大，有必要充分运用国家、社会、个人各方面资源，坚持共同分担、保障多层次、照护融资与产业并行等基本原则，建立照护保障制度的可持续发展模式。从当前来看，建立困难人群的老年失能照护补贴制度尤为迫切；从整体规划来看，应以社会保险为核心，在起步阶段可纳入基本医疗保险待遇，并积极创造有利条件，逐步构建专项社保基金，完善照护保障体系。