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Longitudinal Evaluation Research for Public Long-term Care Insurance in Japan -Effect of Premium increase

日本公共长期护理保险纵向评价研究——保费上涨的影响

基本信息

批准号：
14570357
负责人：
TAMIYA Nanako
金额：
$ 2.11万
依托单位：
University of Tsukuba (2003)Teikyo University (2002)
依托单位国家：
日本
项目类别：
Grant-in-Aid for Scientific Research (C)
财政年份：
2002
资助国家：
日本
起止时间：
2002 至 2003
项目状态：
已结题

项目摘要

To assess how an increase the premium fee for Japanese public long term care insurance (LTCI) affected their utilization of homecare services, we analyzed Electronic claim bill data and municipal records between April 2000 and February 2003 in one local city in Japan.Beneficiaries who used LTCI services at least one month during this term were selected from the claim bill database (N=1869). We calculated monthly average of service use amount and number of users for these 35 months. Stratifications by basic characteristics of beneficiaries (Care-Level, age, and sex), kind of services used were performed. On the insurance premium, we divided these terms into three terms (no premium, half-premium, and full-premium) and analyzed the effect of increase of premium.Though increase of premium had tentative negative effect for service use, number of users increased during these terms. Payment of premium may effect to encourage using LTCI as right of payers. However, the number of institutional care also incased during these terms. They may have been difficult to continue home care with bigger economic burden due to premium.Our results suggested that payment of premium was not so big burden generally and encourage the service use for relatively independent elderly. However, for the elderly who are seriously dependent the increase of economic burden may cause institutionalization.

为了评估日本公共长期护理保险(LTCI)保费的增加如何影响他们对家庭护理服务的利用，我们分析了2000年4月至2003年2月日本一个地方城市的电子索赔账单数据和市政记录。在此期间使用LTCI服务至少一个月的福利机构是从索赔账单数据库中挑选出来的(N=1869)。我们计算了这35个月的月平均服务使用量和用户数量。根据受益人的基本特征(护理水平、年龄和性别)、所使用的服务种类进行分层。在保费方面，我们将这些条款分为无保费、半价和全额保费三个条款，并分析了保费上涨的影响，虽然保费上涨对服务使用产生了初步的负面影响，但在这些条款中，用户数量有所增加。缴纳保费可能会鼓励使用长期保单作为付款人的权利。然而，在这些期间，机构护理的数量也减少了。由于保费的原因，他们可能难以继续居家护理，经济负担较大。我们的结果表明，支付保费一般不是那么大的负担，并鼓励对相对独立的老年人使用服务。然而，对于依赖严重的老年人来说，经济负担的增加可能会导致制度化。