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

Author

Listed:
  • Jack C. Yue

    (National Chengchi University
    Kaohsiung Medical University)

  • Hsin-Chung Wang

    (Aletheia University)

  • Yizhen Liou

    (National Chengchi University)

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.

Suggested Citation

  • Jack C. Yue & Hsin-Chung Wang & Yizhen Liou, 2024. "Using the Taiwan National Health Insurance Database to explore the need for long-term care," The Geneva Papers on Risk and Insurance - Issues and Practice, Palgrave Macmillan;The Geneva Association, vol. 49(2), pages 400-416, April.
    • Handle: RePEc:pal:gpprii:v:49:y:2024:i:2:d:10.1057_s41288-024-00323-2
    DOI: 10.1057/s41288-024-00323-2
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    References listed on IDEAS

    as
    1. Stanley Smith & Jeff Tayman, 2003. "An evaluation of population projections by age," Demography, Springer;Population Association of America (PAA), vol. 40(4), pages 741-757, November.
    2. Jack C. Yue & Hsin-Chung Wang & Tzu-Yu Wang, 2021. "Using Graduation to Modify the Estimation of Lee–Carter Model for Small Populations," North American Actuarial Journal, Taylor & Francis Journals, vol. 25(S1), pages 410-420, February.
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