The Relationship Between Long-Term Care Issues and Disability Insurance

[[abstract]]雖然我國健保制度已提供長期看護相關之保險給付，但只包含基本醫療保障，無法涵蓋因長期照護服務衍生之費用，因此，民間保險公司順應推出失能保險商品，生活或認知能力出現障礙皆可獲得理賠，由於中高齡者購買失能保險商業保險之需求日益提升，故本論文擬藉由問卷方式，分析受訪者對於長期照護基礎概念、政府長照政策認知及高齡化問題認知等三個構面之認知程度，並且分析認知程度是否受到人口統計變項之影響，研究結果發現長期照護基礎概念及高齡化問題認知程度相對較高，此外，年齡、職業及婚姻狀況在基礎概念顯示有顯著差異，年齡、學歷及是否已經購買失能保險在政府長照政策認知顯示有顯著差異，是否已經購買失能保險則在高齡化問題認知具有顯著差異。 Although National Health Insurance in Taiwan has partially covered long-term care-related services, only basic medical protection is covered, whereas any expenses incurred from long-term care services are not covered. As a result, insurance companies have started to promote insurance products concerning various disabilities. The insured persons may request an insurance claim in case of impairment to their living or cognitive abilities. Because there is an increasing demand for disability business insurance for middle-aged and the elderly, this study conducts a questionnaire survey to analyze respondents’ perception of 3 dimensions - the basic concept of long-term care, the government’s long-term care policies, and the aging population problem - as well as examines whether their perception is affected by demographic variables. The research results showed that the perceptions of the basic concepts of long-term care and the aging population problem are relatively higher. Moreover, age, occupation, and marital status have a significant effect on the perception of basic concepts. Age, educational background, and past purchase of disability insurance have a significant effect on the perception of the government’s long-term care policies. Finally, past purchase of disability insurance has a significant effect on the perception of the aging population problem