持续完善发展长期护理保险制度,是人口老龄化背景下高质量高效能地应对老年人因失能失智日趋增长的照护需求的重要方式。本文通过梳理新加坡长期护理保险制度设计和服务体系,分析其制度建立的背景、筹资方式、待遇给付、失能等级评估及服务管理等内容,结合我国长期护理保险实践情况,提出完善建议,以期为我国长期护理保险制度的完善发展提供借鉴经验。本文认为我国可以积极推进长期护理保险标准化建设、探索长期护理职业化人才培养机制、提供供需匹配的高质量长护服务、加强长期护理保险对化解老龄化社会风险的宣贯、引入商业保险参与的多方合作机制,从而更好地推动长期护理保险制度的发展。

In the context of population aging, how to respond to the increasing needs of the elderly care due to disability and dementia needs to continuously improve and develop the long-term care insurance system. With the Singapore long-term care insurance system design and service system, this paper analyzes the background of the establishment and implementation of the system, financing, benefits, disability level assessment and the corresponding service management. Based on the practice of long-term care insurance in China, the paper provides suggestions, so as to provide a reference for the improvement and development of the long-term care insurance system in China. We should promote the standardization of long-term care insurance, explore the long-term care professional training mechanism, provide high-quality long-term care services matching supply with demand, strengthen the publicizing of long-term care insurance to resolve social risk of the aging, develop commercial insurance to participate in the cooperation mechanism, in order to provide the improvement and development of the long-term care insurance system.