对现阶段中国长期护理保险产品的开发建议

卫生部调查数据显示：中国60岁以上老年人余寿中有2／3的时间带病生存，平均1／4左右的时间处于机体功能受损状态。2008年底，中国60岁以上人口总数达到1．49亿，医疗保障需求极为旺盛，然而，通过保险解决医疗费用支出的比例微乎其微。从中国现行社会保障体系的实际情况出发，结合国外长期护理领域的成熟产品以及中国老年人群的特点和护理需求，对如何做好老年人群的产品规划，促进保险产品创新，提出相应建议。

Product Development Suggestion on Long Term Care in the Current Period

According to health ministry survey,senior citizen above age 60 suffer health problems two thirds of time in our country,and average a quarter of time their bodies are in the damaged situation.At the end of 2008,there will be 0.149 billion people over 60,so that the demand of medical security is huge,however,only a tiny proportion problem was solved by insurance.This article gives advices based on the characteristic of senior citizens and health care among our country.Meanwhile,all the suggestions consider how to apply foreign countries’ experience of long-term health care to Chinese social security system and how to make product innovation.