A comparative study of commercial insurance institutions participating in long-term care insur-ance:An analysis of Haidian District in Beijing and Qingdao in Shandong Province
10.3969/j.issn.1674-2982.2018.04.005
- VernacularTitle:商业保险机构参与长期护理保险经办模式比较——基于北京市海淀区、青岛市的分析
- Author:
Yu-Ying ZHONG
1
;
Jing CHENG
Author Information
1. 华南理工大学 广东广州 510640
- Keywords:
Public-private partnership;
Long-term care insurance;
Commercial insurance institutions;
Gov-ernmental purchases
- From:
Chinese Journal of Health Policy
2018;11(4):24-28
- CountryChina
- Language:Chinese
-
Abstract:
This article attempts to compare the similarities and differences of the two typical models of the com-mercial insurance institutions participating in the long-term health care insurance from the perspective of public-pri-vate partnership and the prospect of its application. By the comparison of the long-term health care insurance opera-tion model in multiple pilot areas,this paper selects Haidian district and Qingdao city as typical representative mod-els. The commercial insurance institutions in the two models are introduced by the urban government bidding and en-trusted a corresponding institution to supervise. However,the degree of participation of commercial insurance institu-tions in the Haidian district model is deeper than that in the Qingdao city model,and in the aspects of profit and loss, the Haidian district model is better than the Qingdao city model. The Qingdao city model of commercial insurance in-stitutions bears more risks of profit and loss. From the point of view of the application prospects of the two models, the Haidian district model is suitable for the promotion of large cities with large population, industrialized economy and high management level,while the Qingdao city model is more suitable for cities with smaller population, higher risk and weak supervisory power of commercial insurance institutions.
