長照之保險規劃

Abstract

醫療科技的進步和生活水準的提升增長了台灣人民的平均壽命，但伴隨少子化的趨勢，使台灣老年人口提升，台灣社會逐漸邁向超高齡社會。另一方面，老年失能人口和慢性疾病患者的數量也持續增加，但傳統家庭結構的改變也導致老年照護資源的減少。以上這些因素都凸顯了現今和未來長照需求的急迫性，也點出長照準備的重要性。台灣政府以及業界保險公司目前積極推廣長照險的概念和相關制度，但民眾投保率僅約2%，表示長照險的推廣和制度設計有帶加強。本研究透過量化分析調查台灣民眾對於長照的需求、認知以及長照險的購買考量，希望可以藉此提供一些建議供業界和政府作為參考。

Advances in medical technology and the improvement in living standards have increased the average life expectancy of Taiwanese people. However, declining birth rates have caused a rise in Taiwan’s elderly population, and Taiwan is gradually moving towards a hyper-aged society. Additionally, the number of disabled elderly people and those with chronic diseases also continues to increase, but changes in traditional family structures have led to a decline in elderly care resources. These factors all highlight the urgency of long-term care now and in the future, as well as the importance of preparing for long-term care needs in the future. Currently, the government and insurance companies are actively promoting long-term care insurance and establishing related systems. However, the penetration rate of long-term care insurance is only about 2%, indicating that stronger promotion and better design of long-term care systems is needed. In this study, we used quantitative analysis to investigate the Taiwanese public’s needs and willingness to purchase long-term care insurance, in hopes of providing improvement suggestions for insurance companies and the government.