Using the Taiwan National Health Insurance Database to explore the need for long-term care

Jack C. Yue (), Hsin-Chung Wang and Yizhen Liou
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Jack C. Yue: National Chengchi University
Hsin-Chung Wang: Aletheia University
Yizhen Liou: National Chengchi University

The Geneva Papers on Risk and Insurance - Issues and Practice, 2024, vol. 49, issue 2, No 10, 400-416

Abstract: Abstract Several factors contribute to the lack of long-term care (LTC) insurance in Taiwan, insufficient data and an absence of unified definitions of LTC are two of them. In this study, we use LTC-related catastrophic illness (CI) as the assessment criteria to investigate the demand for LTC insurance. We selected 13 categories of CI and explored the spatial–temporal properties of LTC incidence rates and mortality rates from the National Health Insurance Research Database. The study shows that the incidence rates did not change much, while mortality rates decreased significantly. Taiwan’s LTC population, which was 0.29 million in 2013, is accordingly expected to triple before 2040 based on the proposed cohort change ratio approach. Currently, Taiwan’s government has planned to fund LTC insurance via a pay-as-you-go system. Furthermore, the increasing LTC population indicates that commercial insurance can play a vital role as a supplement to social LTC insurance.

Keywords: Population ageing; Long-term care insurance; National Health Insurance Research Database; Catastrophic diseases; Spatial–temporal analysis (search for similar items in EconPapers)
Date: 2024
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DOI: 10.1057/s41288-024-00323-2

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