[1]梁瑜璠,王 岳.长期护理保险与基本医疗保险制度衔接机制研究[J].卫生经济研究,2026,43(02):77-80,84.
　LIANG Yufan,WANG Yue.Research on the Articulation Mechanism Between Long-Term Care Insurance and the Basic Medical Insurance System[J].Journal Press of Health Economics Research,2026,43(02):77-80,84.
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长期护理保险与基本医疗保险制度衔接机制研究

卫生经济研究[ISSN:1004-7778/CN:33-1056/F]

卷:
43
期数:
2026年02期
页码:
77-80,84
栏目:
医疗保障
出版日期:
2026-01-31

文章信息/Info

Title:
Research on the Articulation Mechanism Between Long-Term Care Insurance and the Basic Medical Insurance System
作者:
梁瑜璠1; 王 岳1
1.北京大学医学人文学院，北京 100191
Author(s):
LIANG Yufan;  WANG Yue
School of Health Humanities, Peking University, Beijing 100191, China
关键词:
长期护理保险; 基本医疗保险; 制度衔接; 权益置换
Keywords:
long-term care insurance;  basic medical insurance;  system articulation;  benefit substitution
分类号:
F840.684
文献标志码:
A
摘要:
在人口老龄化加剧与家庭照护能力弱化的双重压力下，长期护理保险与基本医疗保险制度的有效衔接成为健全中国特色社会保障体系的关键。当前，两项制度仍存在保障重叠与真空并存、资金收支过度捆绑、需求评估标准模糊等衔接梗阻。基于社会保险互济性理论与法律规范文本，提出完善衔接顶层设计、构建独立多元筹资与账户权益灵活置换机制、健全需求评估衔接体系等进路，推动医疗保障制度从聚焦“疾病治疗”迈向“全生命周期健康管理”。
Abstract:
Under the dual pressures of an aging population and weakening family caregiving capabilities, the effective integration of long-term care insurance and basic medical insurance systems has become crucial for improving the social security system with Chinese characteristics. Currently, these two systems still face integration obstacles such as overlapping and gaps in coverage, excessive bundling of fund revenue and expenditure, and vague demand assessment standards. Based on the theory of mutual aid in social insurance and legal normative texts, this paper proposes approaches such as improving the top-level design of integration, establishing an independent and diversified financing mechanism with flexible account equity replacement, and enhancing the demand assessment integration system, to promote the medical security system to shift from focusing on "disease treatment" to "whole-life cycle health management".

参考文献/References:

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更新日期/Last Update: 2026-02-03