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  • About
  • The Global ETD Search service is a free service for researchers to find electronic theses and dissertations. This service is provided by the Networked Digital Library of Theses and Dissertations.
    Our metadata is collected from universities around the world. If you manage a university/consortium/country archive and want to be added, details can be found on the NDLTD website.
1

長期照護保險制度與國民年金保險的銜接與配合

林佳慧 Unknown Date (has links)
由於台灣漸漸步入高齡少子化社會,政府預定開辦國民年金保險以保障老年人口基本生活,但隨著老年人平均餘命增加且慢性病罹患率提高,長期照護費用亦成為老年人口之經濟負擔。目前台灣僅以社會救助方式及全民健保支應小部份長期照護相關給付,面對未來大量長期照護需求,實應建立一完整長期照護體系。 本文參考德國、日本、英國與美國的長期照護制度,以其需求人數推估台灣長期照護需求人數,其次探討國民年金保險實施後,年金給付額與長期照護費用之差距,並以各國標準推估未來我國若以社會保險方式實施長期照護保險制度時,所需的財務負擔。另外假設長期照護保險將附加於全民健保或國民年金保險制度之情況時,推估其保險費與政府總負擔,希望對未來我國若實施長期照護保險之財務估算有所幫助。 / The goal of this study is to investigate the connection between National pension insurance and long term care insurance, and than estimate the finance of long-term care insurance. Four major stages in achieving the objective are summarized as follows: 1. Collate the long-term care systems from Germany, Japan, U.K., and U.S., and calculate the need for long-term care in Taiwan. 2. Calculate the gap between the benefit of National pension insurance and expectant long-term care expenses. 3. Estimate the financial burden of long-term care insurance. 4. Suppose adding long-term care insurance to National health insurance or National pension insurance, and estimate the premium and public financial condition.
2

日本長期照護保險法制之研究

李志妤 Unknown Date (has links)
人口老化是全世界共同面對的問題,台灣對於國民的老年生活,該如何保障?除了目前正研議中的年金保險,高齡人口的醫療保健問題,更顯重要。近年來,台灣開始討論有關高齡者的長期照護問題,不過該以何種體制,尚未有所定論。觀諸先進國家之經驗,對於長期照護制度有多種建制方式。本論文以鄰近之日本為對象,研究以社會保險作為社會安全制度核心的日本,如何繼德國之後,將長期照護保險法作為其第五大社會保險制度。 本論文分為六章,約九萬字。第一章緒論,就問題緣起與研究範疇說明。第二章敘述日本實施長期照護保險法之經社背景及當時之社會安全法制背景。第三章針對日本建制長期照護保險法之過程中,論述其學術界之討論與行政上之規劃及其而後之立法過程及相關的過渡措施。第四章說明日本現行之長期照護保險制度,內容包括長期照護保險之適用對象、保險給付、保險財務、長期照護保險之組織、支付制度及長期照護保險爭議之處理。第五章為日本實施長期照護保險制度後之檢討與評估。第六章則先論述台灣目前之經社背景及長期照護體系,且說明其缺失。最後,以日本實施長期照護保險法之經驗,論述其對台灣之啟示。 在台灣,社會安全為憲法所明文規定之國家政策,並為政府歷次政策宣示所強調。從德國及日本陸續於原有之四大社會保險之外,另行實施長期照護保險,而擴增為五大社會保險,更顯示社會保險制度所獲之廣泛信賴與支持。據此發展,亦可見以社會保險為核心之社會安全制度,非但有退縮現象,甚且百尺竿頭更進一步。在2002年全國社會福利會議中,已提出以建立長期照護保險制度為目標,並於10年內完成之分組報告。台灣未來如何抉擇制度之走向,尚待觀察。
3

台灣未來長期照護發展之研究 / The development of the long-term care service in Taiwan

陳意千 Unknown Date (has links)
高齡化是台灣未來人口的趨勢,綜觀國際上各高齡化國家所遭遇到的老人照護與經濟問題,老人照護的確需要龐大與長期的人力,但有鑑於家庭結構從核心家庭轉變為雙薪家庭,誰來照顧年邁的雙親,已由家庭問題演變成社會問題;另一方面,過去由家中成員照顧雙親的情形已經式微,將家中照護長輩的工作外包,儼然成為社會新的趨勢。長期照護的經費從何而來?面臨快速成長的高齡人口問題,政府已經預見,但一直沒有針對我國未來的長期照護政策做完整、且長期規劃的決心。身處於長期照護產業的一員,我們發現政府在未來老人的生活與照護扮演最關鍵的角色,任何錯誤的計算與規劃都將影響到數百萬的老人退休生活與其周遭的家人與親友,更重要的是可能危及整體的台灣經濟運作。面對即將到來、且影響深遠的長期照護議題,寄望我國可以走出一條成功的長期照護之路,不僅是我們退休後的福氣,也是下一代能夠安心工作與打拼理想人生的期盼。 本研究將探討德國與日本長期照護的國家政策與產業經驗,藉由先進國家導入多年的長期照護發展之成果,吸取寶貴的成功概念與做法,接著比照台灣目前所遭遇到的困難與瓶頸,將國外經驗轉化成對我國有助益的發展建議。並對於我國未來的長期照護發展提出三大方向建議,第一部分針對長期照護所面臨的財源問題提出解決方案,第二部分則對於長期照護的服務提供者的品質標準提供作法建議,最後一部分的建議方案是提出如何解決長期照護產業面臨人才荒的問題。這三大面向的問題分別是政府、家屬與服務提供者所面臨最大的困擾,希望本研究可以對尚在萌芽期的長期照護產業提供不同於官方與學者的看法與作法。
4

長期看護保險商品及消費者購買須知之探討 / The study on long-term care insurance products and shopper's guide

林士聘, Lin, Shih Pin Unknown Date (has links)
面對國人的人口老化及老年人慢性疾病逐年升高趨勢,隨著國人生活水準改善,醫療技術提升,平均餘命亦逐年提高;尤其,近年來國人平均餘命上升幅度較往年更為快速,加上少子化現象,對於衍生之老人照護問題,值得政府及民間各界重視。政府近年來大力推動長期照護政策,2007年推動「我國長期照顧十年計畫」,2009年底將「長期照護保險法」草案送立法院審議,預定2011年後實施長期照護保險制度。給付型態以實物給付(服務提供)為主,現金給付為輔,給付水準區分四級,且有補助時數限制。草案中引進「部分負擔」作法,超過政府補助時數,將由民眾全部自行負擔照護費用,可見被照護者或家屬所須負擔之照護費用及精神壓力,仍是一項沈重的負擔。 依據經建會委託長期照護服務需求評估報告及我國長期照護資源供給調查報告,顯示未來長期照護服務需求與照護資源供給相差甚遠。綜觀各國政府所提供之長期照護保障,以基本保障及服務為原則,若要達到讓身心功能障礙者,能夠增進獨立生活能力,提升生活品質,以維持尊嚴與自主之目的,當然,須要靠商業長期看護保險的補充,才能架構完整的長期照護保障網絡。 觀察國內在1995年全民健保制度實施後,明顯激發了民眾對於商業保險之健康醫療保險商品需求的重視與認同。以全民健保制度開辦當年(即1995年)至2004年,此十年間的商業健康保險保費收入來看,十年之間健康險保費收入成長超過七倍。顯示政府推動全民健保制度後,不但激發民眾潛在需求意識,而且促進商業保險商品多元化快速發展。依照先進國家在長期看護保險商品市場的發展經驗,保險公司除重視其商品架構之開發,針對消費者對於長期看護保險的各種認知問題,也應要求業務人員在銷售過程說明清楚,以擴大潛在商機,及避免日後產生非必要之爭議。 有鑑於此,本研究除了詳細彙整介紹德國、日本及台灣政府長期照護制度現況,並對於美國、日本及台灣長期看護保險商品市場進行深入介紹與探討,且對於美國、英國長期看護保險消費者購買須知進行深入介紹與探討。目的在藉由本研究之介紹與探討之結果,提供台灣保險產業長期看護保險之商品開發、業務推動及編製長期看護保險消費者購買須知等實務運作之重要參考。拋磚引玉,期待保險產業有志之士一起掌握藍海商機,協助消費者購買到適合自己的長期看護保險保單。 / Aging population is a topical issue to today’s society, with improved living standard, advanced medical technology, and rising trend of chronic diseases; causing life expectancy to increase year by year. As a result of faster increase in life expectancy in recent years, together with the phenomenon of low birth rates, long-term care is an issue that should be taken seriously to both the public and the government. Recently, the government has been promoting long-term care policy vigorously, where it published “Taiwan’s 10 Years Long-term Care Program” in 2007, submitted “Long-term Care Insurance Law ” draft to the Legislative Yuan of Republic of China by end of 2009, and is scheduled to implement “Long Term Care Insurance” by 2011. Long-term care benefits provided by the government can be classified into four levels, and the benefits will mainly be service based, with hours limit, supported by cash payments. This means that, any long-term care exceeding government’s limit will have to be paid by the user, which may be a stress and burden, financially and mentally, to the family of those needing long-term care. According to “Long-term Care Service Needs Assessment Report” and “Supply of Long-term Care Resources Survey Report” consigned by the Council for Economic Planning and Development, it can be seen that the supply of long-term care resources can never quite meet the demand of long-term care services. After studying long-term care benefits provided by other governments, it is clear that commercial insurance is essential to allow people requiring long-term care to maintain a full standard of living. This may includes being able to live independently, to improve the quality of life, and to maintain one’s dignity. By observing the National Health Insurance (NHI) in Taiwan, implemented in 1995, it has stimulate people to be aware of their personal needs towards private health insurance products. The premium of private health insurance products had been increased by seven times from 1995 to 2004. It has been proven that government’s strong support on the NHI has help people to better understand the demands on their health protection, and at the same time, diversify private health insurance products. An overview on the experience of developing private long-term care insurance products in developed countries, insurance companies not only focus their core competence on developing insurance products but also pay attention on maintaining customers’ satisfaction, customer loyalty and customer retention. It is essential that insurance sales agents should help clients choose insurance policies that suit their needs by explaining policies in detail, in order to create new business opportunities and prevent from any future claim conflict or argument. In view of this, the purpose of this research is to firstly introduce the long-term care system in countries such as German, Japan and Taiwan, study on the experience of developing private long-term care insurance products in developed countries, and follow by an in-depth study and discussion about U.S. and U.K. shopper’s guide to long-term care insurances. Moreover, the findings of this dissertation can hopefully provide suggestions to insurance companies on development of long-term care insurance products and help building consumers satisfaction and consumer retention. To conclude, it is important to create a win-win solution to both customers and insurance companies, where insurers shall develop long-term care products that satisfy customers’ need and in return profit from the market opportunities.

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