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摘要：随着我国人口老龄化的加剧,其给医疗保险制度的持续稳健运行带来了挑战。伴随人口老龄化出现的一个事实是老年人口增加生存时间延长，社会整体对医疗保险的需求不断增加，医疗保险基金不断增长，医疗保险缴费主体不断减少，老年人口医疗服务需求与基本医疗保险的保障水平不相适应。由于经济发展水平较低，医疗保险筹资水平较低，但医疗服务需求水平较高这种“两低、一高”现象的共同作用相对于同样进入人口老龄化社会的发达国家或福利国家，我国“未富先老”医疗保险所面临的挑战更加严峻。所以我们应从医疗保险覆盖面，研究老年护理保障，适当延长退休年限，医疗卫生设施改革做出有效应对。20997
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毕业论文关键词：老龄人口;医疗保险;人口老龄化
Influence and Countermeasures of population aging on health insurance in China
——From Shanghai Perspective
ABSTRACT：With the intensification of China's aging population, the health insurance system for the continuous stable operation challenges. With an aging population there has been a fact that the aging population, prolonged survival of society as a whole on the increasing demand for health insurance, the relative shortage of labor, health insurance contributions subject declining. As low level of economic development, medical insurance funding levels low, but a higher level of demand for medical services such "two low and one high" relative to the combined effect of the phenomenon of population aging into the same social or welfare state developed countries, China's "old before getting rich" health insurance more severe challenges. How in the "two low, one high" continue to protect the unfavorable context, the majority of people's basic health care, to maintain the sustainable and healthy development of social economy, to create a harmonious society in China's current government health insurance authority must consider the major issues.
KEY WORDS: Health insurance； Demographic aging；Elderly
目录
一、绪论 1
（一）研究背景 1
（二）研究目的 1
（三）研究意义 1
（四）研究现状 2
（五）研究方法 2
二、课题研究的理论基础 3
（一）相关概述界定 3
1. 人口老龄化的概念 3
2. 医疗保险的概念 4
（二）社会保险概述 5
1. 社会保险的概念 5
2. 社会保险的类型 5
3. 社会保险的特点 6
三、人口老龄化背景下医疗保险存在的主要问题 6
（一）医疗保险基金支出显著增涨 7
（二）医疗保险基金筹资主体相对减少 7
（三）老年人口医疗服务需求与基本医疗保险的保障水平不相适应 7
四、国外医疗保险经验借鉴 8
（一）美、日、德医疗保险应对老龄化的措施 8
1.美国实施老年人医疗保险 8
2.日本实施养老保险金制度 8
3.德国实施实施老年护理保险 8
（二）美、日、德的成功经验 9
五、医疗保险制度改革建议 9
（一）统筹考虑，研究老年护理保障 9