Based on Taiwan society situation now are the advanced age ,low fertility rate, and the living time extension, We need to focus on the retired living expense, Medical expense and long-term care. These three major issues already have National Annuity, Labor insurance annuity and National Health Insurance to provide the basic coverage. But for the long-term care portion, the government had passed “Long-Term Care Service Law” in March 2011, The government is also preparing to implement “Long-term Care Insurance Law” in 2012, All these 2 laws are expected to provide a complete system of annuity, the medical service and long-term care of old people lives.
However, the social welfare budget is limited, currently the service that Government provided can’t satisfy general citizen’s expectation on Quantity and Quality, Therefore, except the service that government can provide, the insurer should actively review the existing Private Long-Term Care Insurance products to make the necessary amendments, or timely development of new long-term care insurance products, beginning with the Public Long-Term Care Insurance, integration, and jointly create a quantity and quality both long-term care system.
The thesis is firstly observation on Public Long-Term Care Insurance of Germany, Japan, South Korea. To understand Every Government providing basic long-term care coverage, and national insurers to make up the inadequacies of the Public Long-Term Care Insurance. Secondly, to observed the country that is not implemented on the Public Long-Term Care Insurance, such as the United Kingdom and the United States, To understand the insurer in which the government does not provide basic services to protect the long-term care cases, long-term care insurance product types and business models. Based on a view to the international business major country, two types of analysis are for our long-term care insurance products and providing the integration taken in learning.
The study concludes that the government not to implement Public Long-Term Care Insurance, it shall be taking into account any British, American and other countries of the practice, Private Long-Term Care Insurance product, or class of Private Long-Term Care Insurance products to people on long-term care services in response to demand. Secondly, in the future the Government to implement the Public Long-Term Care Insurance, the insurer should be actively developed, such as Miniature commodity of Long-Term Care Insurance products and other new types of insurance products, and the Public Long-Term Care Insurance, to integrate, for the people to construct a quality and quantity of long-term care services system.