民眾未來長期照護偏好與長期照護保險購買意願之相關研究

Abstract

本研究為Sencendery Data Anlysis，利用國家衛生研究院衛生政策發展中心「2006年臺灣地區民眾健康保險調查計畫」之PHI問卷資料，獲得3002人的訪視對象，探討民眾未來長期照護偏好與購買長期照護保險的意願。 根據本研究分析的結果： 受訪者的平均年齡為44.8歲，男女性別分佈平均，且多為已婚，約四成沒有工作，教育程度以國中至高中(佔41.5%)及大專以上為主(佔33.3%)，個人平均收入多在5萬元以下(佔86.6%)，家庭平均月收入在5萬元以下(46.0%)。受訪者中曾有罹患疾病的佔41.2%，自覺健康狀況是好的佔42.3%。受訪者中有7.4%過去一年有住院的經驗。過去看西醫的次數以＞3次為最多(佔49.6%)，過去六個月自行購買藥品的次數以1次為主(佔50.9%)。 有43.6%的受訪者會考慮購買(由政府或民間提供的)「長期照(看)護保險」，影響購買保險的因素包括年齡、婚姻、工作、教育程度、居民地區、經濟收入、罹病經驗、作息改變、自覺健康狀況、、住院經驗及門診使用經驗。選擇長期照護的方式以「在子女家，讓子女照顧」所佔比例最高(32.2%)，而未來在長期照護的偏好中，選擇在「專業機構」照護之長期照護保險購買意願比選擇在「居家」照護者高（OR＝2.22，95%CI＝1.62~3.04），選擇由「專業人員」照護比選擇由「家屬」照護的長期照護保險之購買意願高(OR＝3.98，95%CI＝2.76~5.75)。 根據研究結果顯示，年齡、婚姻及居住地區是長期照護的偏好與長期照護保險的購買意願之主要影響因素。面對老化速度加劇的現實環境，是學界及相關部門當務之急的任務。

The average life expectancy of Taiwanese citizens has increased due to improved living standard, educational level and medical technologies. The population of elders with chronic diseases has increased every year. Elders find it difficult to live independently due to their diseases, resulting in a greater need for long term care. This research surveyed 3002 subjects with the “2006 Taiwanese people’s intention for purchasing health insurance plan” (PHI questionnaire) to understand the causes of purchasing long term care insurance. The average age of the interviewees is 44.8, the gender distribution is even, mostly are married, about 40% are unemployed; their educational levels are mostly high school (41.5%) and university or above (33.3%); their average individual income is less than NT$ 50000 (86.6%), while the average household income less than NT$ 50000; 41.2% are ill, and 42.3% regard themselves as healthy; 7.4% were hospitalized in the last year, and 50.9% bought medicine from pharmacies for once during the past 6 months. 43.6% consider buying 'long term care insurance” provided by the government or private corporations. Most of them (32.2%) choose to “stay at home, accepting the care from their children”; more subjects prefer long term care insurance for care provided by professional institutions than that for home care(OR =2.22, 95%CI =1.62~3.04), and more prefer long term care insurance for care provided professional personnel than that for family care(OR =3.98, 95%CI =2.76~5.75).