社会保障评论2025，Vol.9Issue(4)：32-45,14.
长期护理保险与医疗保险的协同效应研究
A Study on the Synergistic Effects of Long-Term Care Insurance and Medical Insurance:Building an Integrated Elderly Health and Welfare System
摘要
Abstract
Building an integrated elderly health and welfare system is a vital approach to meeting the full-cycle care needs of older adults and enhancing internal coordination across welfare institutions.Based on settlement data from long-term care insurance(LTCI)and medical insurance systems in Y County,Zhejiang Province,this study investigates the synergistic effects between LTCI and medical insurance,as well as the optimization of two LTCI benefit models:institutional care and home-based cash subsidies.The findings show:(1)LTCI significantly reduces total medical expenses,medical insurance fund expenditures,and individuals' out-of-pocket costs.(2)Under different LTCI benefit models,institutional care and home-based cash subsidies reduce medical expenses by 3.8％and 3.1％,respectively,with the latter incurring lower administrative costs.(3)Mechanism analysis reveals that institutional care reduces medical spending by shortening the average length of hospital stays,while home-based subsidies do so by lowering the frequency of hospital admissions.This study provides new practical insights for improving China's integrated health and welfare system for the elderly.关键词
整合型老龄健康福利体系/长期护理保险/医疗保险/待遇保障模式Key words
integrated elderly health and welfare system/long-term care insurance/medical insurance/benefit provision models引用本文复制引用
刘晓婷..长期护理保险与医疗保险的协同效应研究[J].社会保障评论,2025,9(4):32-45,14.基金项目
国家社会科学基金重大专项"促进养老事业和养老产业发展的政策和机制研究"(24ZDA092). （24ZDA092）
