我國高齡化、少子化的情形日益嚴重，導致長期照護相關問題不斷浮出，我國政府與民間已關注到此問題，陸續推出相關福利政策及配套，而商業保險市場也發展出多元長照型商品來因應此問題，然而在現今社會仍常出現因長期照護所衍生的社會問題。此研究針對目前我國長期照護社會保險及商業保險的涵蓋範圍適切性做一探討，採取深度訪談質性研究方法，對長期照護人壽保險的業務同仁，深度訪談探討目前商業保險長期照護險理賠內容、一般民眾的接受度、銷售狀況、保費的適切性…等。
研究結果顯示我國長期照護服務項目涵蓋多元，需龐大的專業人員，但目前不管是在人員的數量及素質方面都是非常欠缺，以致照護的品質落差大。且長期照護機構方面分佈不均，偏遠地區資源貧乏使得床位及照護人員都不足，若能在地補助當地業者，就地培育人才，一方面長期照護機構可足夠使用，另一方面也可幫助偏遠地區民眾增加就業機會。另外，高齡化問題是目前世界多國的共同問題，非常多國家為了要宣導長期照護的概念，紛紛透過媒體做置入性行銷，我國在這方面是比較欠缺的，因此國人對長期照護的觀念有但不急迫，造成長期照護險投保率相對其他險種低很多。
而我國社會保險相關長期照護的涵蓋範圍不適切，因此單靠社會福利及社會保險未必能夠享有高品質的長期照護，須加上商業保險的規劃才能有良好的長期照護品質。我國的長期照護險從1995年即開展，目前市面上有三種型式的長期照護保險，其中以「殘廢扶助險」類的長期照護商業保險的範圍最為適切，希望讓長期照護保險能普及化，以達完善的長期照護品質。而國人也應及早培養理財規劃及使用者付費的觀念，像是利用儲蓄保險或年金險做為長期照護費用的「專款專用」、「保險金信託」，創造更好的長期照護品質。
本研究結果將提供政府長照相關單位瞭解目前長期照護的相關政策與現今社會大眾需求是否吻合，又針對目前各大保險公司所提供的長期照護保險商品其涵蓋的範圍及內容是否完整足夠、保費負擔是不是過大…等做探討，希望此一研究結果可以幫助我國商業保險與政府相關政策能夠相輔相成，又商業長期照護險能普及化以達更盡完善的長期照護。

With the problem of aging and low birth rate getting worse and worse， long-term care issue has been gathered a lot of attention from government and private companies， where they have implemented some welfare policies measures and supporting policies to cope with. In response to this issue， commercial insurance industry has also developed various long-term care products to solve the social problem deriving from long term care.
This study is to explore the relevance and scope on current long-term care system of social welfare insurance and commercial insurance by analyzing the demand and supply from government and business insurance. Using qualitative research method by interviewing those professionals who work in the long-term care industry， including businesses， care workers， and insurance brokers. The topics cover government’s implementation on long-term care these days， usage， commercial insurance claims， public acceptance， sales status and premiums rationality.
The analysis indicates that the wide range of long-term care services need huge number of professionals. However， the lack of quality and quantity on care workers which have resulted a big gap on long-term care system. On the other hand， the long-term care resources are scattered unevenly， especially the care workers and equipment are insufficient in the remote districts. If the long-term care organizations can get funding to educate more care workers， which not only solves the problem but also creates more employment opportunities.
Aging is the current big issue for most of the countries. Some of them even uses embedded marketing method to promote long-term care concept. There is general awareness for the people in Taiwan but not urgently in demand. That’s why the insurance rate on long-term care is much lower than the other kinds of insurance.
The scopes of long-term care related social insurance are not very clear in Taiwan， therefore we can’t have a high quality long-term care system if we only rely on social welfare and social insurance. It’s recommended adding commercial insurance into the long-term care system in terms of having high quality.
In Taiwan， the long-term care insurance has been introduced since 1995 where there are now three kinds of long-term care insurances. Among them， the “Disability Support Insurance” is the most adequate commercial insurance in terms of scope and relevance. In order to get a high quality long-term care system， we should have a well-prepared financial planning， such as utilizing saving insurance or life annuity as ”Earmarking” or “Life Insurance Trust” for the fee of long-term care to cover the lack of social welfare on long-term care industry in Taiwan.
The result of this study will provide to long-term care units in government organization to better understand if the policy is tallied with public demand. It is also as a reference for most insurance companies in Taiwan to review the scale of claims， content， as well as premiums of their long-term care products.

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Kane, R. A. and R. L. Kane (1987), Long-Term Care: Principals, Programs and Policies. New York: Springer.
Weissert, W. (1991), “Community-base long-term care: A Prospective Budgeting Strategy for Achieving Cost Effectiveness,” In J. C. Romeis & R. M. Loe (Eds), Quality and cost containment in care if the elderly, New York: Springer, 175-189.