從美國長期看護商業保險市場的成長經驗探討台灣長期看護商業保險的發展方向A Study on the Development of Taiwanese Long-Term Care Commercial

摘要
　　台灣長期看護險市場發展緩慢，個人長照財務風險分攤功能受到限制。反觀美國該市場成長穩定，本文發現其主要因素，包括商品內容的發展符合消費者的需要；適當產品資訊的提供增加民眾正確的認知與需要；美國政府部門相關法令規範的周延，以及相關監理單位的努力，增加民眾對於保險公司的信賴程度，更是扮演著關鍵的角色。因此，本文建議監理單位儘速制訂長期看護保險單示範條款，規範長期看護狀態在身體功能失能認定最低的標準，以及認知損害的承保內容，進而保護消費者權益。政府亦應規劃長期照顧與財務風險教育計畫，提高民眾對於長期照顧的認知以及風險意識。而且，保險公司可設計給付更多樣化的保單，以滿足不同偏好的消費者差異的需求。
關鍵字：風險分攤、長期看護險、示範條款
Abstract
　　This paper explores the reasons why the long-term care commercial market was sluggish in Taiwan, while it has been steadily developed in the United States. Major findings include that commercial policies must meet the need of consumers; appropriate provision on product information help public recognition of the demand for long-term care; the relevant regulations have been provided by U.S. government; the great effort of supervisory authorities have improved public confidence in private insurance companies. Three aspects of suggestions can be derived from this study: (1) The model act that regulates the minimum standard of functional disability needing long-term care should be drafted; (2) Public education on the recognition of long-term care risk should be promoted; (3) Products that cover benefits meeting different preferences of consumers should be developed.
Keywords: risk pooling, long-term care commercial insurance, model act provision