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德国是欧洲人口老龄化程度最高的国家之一,放眼全球,其老龄化程度仅次于日本。预计2030年,德国人口将缩减至不足8000万人,届时,一半以上人口年龄将超过48.1岁,80岁以上老人超过630万人。随着老年人增多,需要护理的人数也不断攀升。为了减轻老人及其家人的负担,德国于1995年推出护理保险制度。护理保险成为继医疗保险、失业保险、养老保险、法定工伤保险之后,德国社保的第五大支柱保险,许多需要护理的老人由此过上了更有尊严的生活。德国护理保险的保费为税前收入的2.35%,没有子女的人则需缴纳2.6%。与医疗保险、失业
As one of the countries with the highest population aging in Europe, Germany takes the global view and ranks second behind Japan in its degree of aging. It is estimated that the population of Germany will be reduced to less than 80 million by 2030, by which time more than half of the population will be 48.1 years old and over 80.6 million elderly over 80. As the number of older people increases, the number of people in need of nursing care continues to rise. In order to reduce the burden on the elderly and their families, Germany introduced the nursing insurance system in 1995. Nursing insurance became the fifth pillar insurance of social insurance in Germany after medical insurance, unemployment insurance, endowment insurance and statutory work injury insurance. As a result, many elderly people in need of care had a more dignified life. The premium for German nursing insurance is 2.35% of pre-tax income, while those without children are subject to 2.6%. With medical insurance, unemployment