台灣長期照護保險的理論與挑戰

Long-Term Care Insurance in Taiwan: Theory and Challenges

台灣正在積極準備辦理長期照護保險，其中強制納保固然是社會保險的要件，但也因為其強制性會剝奪人民部分的選擇自由，因此長期照護保險規畫就需要更謹慎。另因為給付範圍牽涉到以服務方式來呈現的實物給付，因此必須考量保費繳納的公平，以及服務提供體系的效率。本文擬從長照保險理論，對台灣長照保險的內容進行檢視或提出建議。論述將依據風險分攤、財務公平、服務體系效率三者作為本文討論的重點。論述的重點偏重於比較關鍵或比較容易誤解的概念，協助醫療體系內的專業人員，可以深入瞭解台灣規劃長照保險的優勢與劣勢。

Long-term care insurance, now being intensively discussed as part of the formal governmental agenda, is widely expected to be inaugurated by 2011. As all entitled citizens will be enrolled compulsorily in accordance with social insurance rules, tight scrutiny in the planning process is strongly advised. Equity of financial mechanisms and the efficiency of the delivery system for long-term care should also be carefully considered and maximized. This study explores major empirical suggestions for Taiwan’s long-term care insurance scheme from a primarily theoretical point of view. The three relevant issues deliberated in this paper include risk sharing and financial equity in long-term care insurance and long-term care system delivery efficiency. Content focuses on concepts that may be easily misunderstood or misinterpreted by medical professionals.