长期护理
精算学
期限(时间)
长期护理保险
业务
疗养院
健康保险
自保
医疗保健
公共经济学
财务
经济
医学
护理部
经济增长
物理
量子力学
作者
Muhammad Syakir Asrulsani,Mazlynda Md Yusuf
出处
期刊:Malaysian Journal of Science Health & Technology
[Universiti Sains Islam Malaysia]
日期:2021-02-01
卷期号:5 (1)
标识
DOI:10.33102/mjosht.v5i1.130
摘要
Funding for long-term care costs among elderly people is a critical matter, especially due to high costs and an unexpected length of time. Placement for long-term care that is funded under Jabatan Kebajikan Masyarakat (JKM) is very limited, hence, the next option is through private nursing homes. However, the cost could be up to RM 2,000 a month for each person. Therefore, Long- Term Care Insurance is an alternative to fund for Long-Term Care costs as it is expected to reduce financial burden during old age. It is a risk protection mechanism for an insured that needs health and financial protection when an individual is unable to do activities of daily living (ADL) or supports in instrumental activities of daily living (IADL). This paper reviews three models that have been used in pricing long-term care insurance. All three models use the equivalent principle of premium to price the insurance policy. However, the probability and assumptions used for each model differ, depending on the insured's needs and profile.
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