中文摘要：

照护保障是近年来学界讨论的热点问题，有学者提出以社会保险的方式建立照护保险制度，部分地区进行了探索。但照护保险是十分复杂的社会保障项目，国际上缺乏成熟的经验，宜慎行之。建立此项制度，一要找准照护保障在照护体系和老年保障体系中的位置，厘清“照护”与“护理”之区别，从而明确照护保险制度的定位；二要运用科学方法寻求损失分布，把握失能规律和照护服务费用规律，借助精算技术设计照护保险制度，明确保障对象、保险责任、给付机制、筹资机制，并建立运行规则；三要充分了解照护保险相关各主体的利益诉求，分析其作为理性经济人的行为选择，依靠有效的治理机制，取得社会各主体的理解、合作与支持。只有这样，照护保险才能作为一项社会保险制度实施，并长期持续健康地运行。

英文摘要：

Care support is a hot topic in the academic fi eld in recent years,but the care insurance is a very complex social security project.To establish this system,we should fi nd out the position of the care guarantee in the care system and the old-age security system,and make sure the orientation of the care insurance system.Secondly,we should use scientifi c methods to seek the distribution of the loss,grasp the law of disability and the law of the cost of care services.Thirdly,we should fully understand the interest demands of the subjects concerned with the care insurance,and obtain the understanding,cooperation and support of the various subjects of the society.Only in this way can the care insurance be implemented as a social insurance system and run for a long,sustained and healthy period.