The Study on the Long-Term Care Insurance in Taiwan

[[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

肺癌病人PAFAH1Bl 基因變異參與癌症惡化

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Assessing the Perceptions of Quality of Life among Taiwanese Adolescents

[[abstract]]本研究之目的在探討台灣青少年生活品質之基底因素結構，同時亦與不同國家比較在使用Raphael等人之QOLPAV（生活品質概況－青少年版）量表時所得之結果。本研究受試對象為1816位12-18歲的在學生，其所屬學校分佈於台灣北、中、南、東部之國高中、高職及五專。問卷結果以試探性因素分析導出，基底因素結構由九個構面組成，即：生理存有、心理精神存有、物理歸屬、社會歸屬、社區歸屬、親密歸屬、實際成為、休閒成為、成長成為。其中心理精神存有與親密歸屬兩個構面並未在其他國家之青少年生活品質基底因素結構中出現。 The purposes of this study were to construct an underlying factor structure of the quality of life profile specific to adolescents in Taiwan, and to compare the results with studies conducted in other countries using the Quality of Life Profile-Adolescent Version (QOLPAV) [1]. The participants in the current study were 1816 students, age 12 to 18, from 20 middle, high, vocational schools, or community colleges in northern, central, eastern, and southern regions of Taiwan. Exploratory Factor Analysis yielded an underlying factor structure composed of nine domains: Physical Being, Psycho-Spiritual Being, Physical Belonging, Social Belonging, Community Belonging, Intimacy Belonging, Practical Becoming, Leisure Becoming, and Growth Becoming. Two of these domains, Psycho-Spiritual Being and Intimacy Belonging were unique to the Taiwanese adolescents' perceptions of quality of life and were not found in the underlying factor structure of Raphael's et al. QOLPAV