The Study on the Long-Term Care Insurance in Taiwan

Abstract

[[abstract]]因應21世紀全世界都在面臨高齡的問題，相對應關係著人口老化會面臨的長期照顧議題，本研究就政府的長期照顧十年計畫2.0、長期照顧保險法與長期照顧保險制度來探討我國的長期看護商業保險商品。就目前政府實行的政策與財源的不足，各家保險公司也因應這個市場需求，推出關於長期照護三類商品（長期看護險、類長期看護險、殘廢照護險）。也越來越多人都有防患於未然的事前規劃。加上商業保險能否補足社會保險的不足，也發現長期照護三類商品最大的差異，依其理賠的認定在年輕時先投資購買好降低未來發生長期照護時的不確定風險。無論購買哪一險種，最大差異是與我們投保的終身壽險、醫療險不同於長期照護險遇理賠時是每月或每年給付給保戶。補足稅收制的政府其社會保險之不足，確保當我們退休後的生活基本保障。[[abstract]]Inresponsetotheagingproblemconfrontingtheworldinthe21stcenturyandpopulationagingthatleadstolong-termcareissues,thisstudyexploresTaiwan’slong-termcareinsurancecommoditieswithregardtothegovernment’s10-yearlong-termcareprogram2.0,Long-termCareInsuranceAct,andlong-termcareinsurancesystem.Inviewofthegovernment’scurrentimplementationpolicyandlackoffinancialresources,majorinsurancecompanieshavelaunchedthreetypesoflongtermcarecommoditiesinresponsetothemarketneeds(long-termcareinsurance,quasi-long-termcareinsurance,disabilitycareinsurance).Moreandmorepeoplehavealsooptedtoengagedinpreventiveplanninginadvance.Inaddition,asforwhetherornotcommercialinsurancescanmakeupfortheinsufficienciesofsocialinsurance,ithasalsobeenfoundthatthegreatestdifferenceamongthethreetypesoflong-termcarecommoditiesliesininvestinginpurchasesthatreducetheriskofuncertaintyinfuturelong-termcareaccordingtothedeterminationofclaims.Regardlessofwhichinsurancetypeispurchased,thegreatestdifferenceisthatcomparedtolifeinsuranceandmedicalinsurancethroughwhichweareinsured,long-termcarecompensationsaremonthlyoryearlypaymentstotheinsured.Bymakingupfortheinsufficienciesofthetaxation-basedgovernment’ssocialinsurance,ourbasicprotectionoflifeafterretirementcanbeensured