| 引用本文：张杭婧,张韦,姚岚,等.长期护理保险对中老年人健康相关生命质量的影响来自中国健康与养老追踪调查的证据[J].中国卫生政策研究,2026,19(1):25-32 |
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| 长期护理保险对中老年人健康相关生命质量的影响来自中国健康与养老追踪调查的证据 |
| 投稿时间：2025-11-03 修订日期：2025-12-10 PDF全文浏览 HTML全文浏览 |
| 张杭婧1,2，张韦1,2，姚岚1,2，熊巨洋1,2 |
| 1华中科技大学同齐医学院医药卫生管理学院 湖北武汉 430030;2国家医保研究院华科基地 湖北武汉 430030 |
| 摘要:目的 探究长期护理保险（以下简称“长护险”）制度实施对中老年人健康相关生命质量的影响，为推动我国全面实施长护险制度提供实证支持。方法 采用中国健康与养老追踪调查（China Health and Retirement Longitudinal Study， CHARLS）多期数据，借助Grossman健康需求理论与风险感知理论，运用多时点双重差分模型，检验长护险对中老年人健康相关生命质量的影响及作用机制。结果 长护险对中老年人健康相关生命质量有显著改善效应。异质性分析发现，该效应在男性、已婚、少子、参加体育锻炼的人群中表现更为显著。机制分析显示，长护险通过提高中老年人养老保险的参与度进而改善其健康相关生命质量。结论和建议：建议加强长护险政策宣传力度，提升长护险护理服务质量，建立专业化的长护险照护队伍，完善长护险与其他社会保障制度及婚育政策的有效衔接，并积极对接社会基层组织，共同促进中老年人健康相关生命质量的提升。 |
| 关键词:长期护理保险 健康相关生命质量 多时点双重差分模型 |
| 基金项目:国家自然科学基金项目（72474077）； 国家医疗保障局委托项目“全国统一长护险制度建设背景下定点城市转型效果追踪” |
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| The impact of long-term care insurance on the health-related quality of life for middle-aged and older adults： Evidences from CHARLS |
| ZHANG Hang-jing1,2, ZHANG Wei1,2, YAO Lan1,2, XIONG Ju-yang1,2 |
| 1School of Medical and Health Management of Tongji College， Huazhong University of Science and Technology， Wuhan Hubei 430030， China;2HUST Base of National Institute of Healthcare Security， WuhanHubei 430030， China |
| Abstract:Objective This study explores the impact of long-term care insurance （LTCI） on the health-related quality of life （HRQOL） for middle-aged and elderly adults in China.Methods Using multi-wave China Health and Retirement Longitudinal Survey （CHARLS） data， and applying Grossman's health demand theory and risk perception theory and the multi-time point difference-in-differences model， this study examines the impact of LTCI on the HRQOL for middle-aged and elderly adults.Results The results indicate that LTCI improves significantly the HRQOL for middle-aged and elderly adults. Heterogeneity analysis reveals that this improvement is more obvious among those who are male， married， have fewer children， engage in physical exercise. Mechanism analysis suggests that LTCI enhances the HRQOL for middle-aged and elderly people by promoting their participation in pension insurance. Conclusions and suggestions： We recommend strengthening the promotion of LTCI policies， improving the quality of LTCI services， establishing a professional LTCI workforce， enhancing the integration of LTCI with other social security systems， and fertility support policy， facilitating its effective coordination with grassroots community organizations. All strategies aim to improve the HRQOL for middle-aged and elderly people. |
| Key words:Long-term care insurance Health-related quality of life Multi-period difference-in-differences model |
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