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国会通过终身护保和长期护理法案 明年起30-40岁国人强制加入终身护保

by Yee Loon
03/09/2019
in 国会, 新闻, 时事
Reading Time: 1 min read
0

国会在昨日三读通过《终身护保和长期护理法案》,协助重度残障者应付长期护理开销。

明年起,年龄介于30-40岁的首批国人,将强制加入终身护保计划(CareShield Life);1979年或之前出生的国人,可在2021年中之后,选择是否参与。

卫生部长颜金勇声称,社会可通过终身护保和乐龄健保(ElderShield)来分担风险,资助长期护理成本是大家共同的责任。

在终身护保计划下,只要受保人在日常活动中的六项(冲凉、进食、走动、移动、更衣和如厕),有三项无法自理,每月可获得一笔现金应付长期护理开销直至康复或离世。

终身护保将交由公积金局和护联中心管理;此外,政府也将在2021年,从三家私人保险业者手中接管130万份乐龄健保保单。

事实上,当政府推出终身护保计划,已有不少团体和民间,都呼吁能降低重度伤残资格,即把无法自理日常活动从三项降至两项。

2017年仅6.6巴仙长者重度伤残

在去年连氏基金长期护理研究报告中,就提及在2017年,只有6.6巴仙长者—约3万4千人面临严重伤残情况。这意味着,有大部分人都被排除在符合申请赔付的范围外。

对此,报告建议可改为根据有多少项日常起居无法自理,分等级给与相对的赔付,以此把保障范围也扩大至一些身患一定程度残障的国人。

在昨日的国会辩论中,亦有不少议员提出上述疑问。不过卫生部仍认为,降低索赔条件,或增加赔付额,也会导致受保国人每月需支付更高的保费。

此前,由于终身护保对女性征收更高保费,也引起民间热议,但在去年卫生部高级政务部长许连碹说,让女性缴付更高的终身护保保费是困难的决定,但政府必须这么做,确保计划可以持续。

去年7月,工人党主席林瑞莲,在国会辩论终身护保议题时,揭露一名符合资格的截肢老人,乐龄健保赔付中途被终止,辗转上诉成功后成功续保。可惜这名老人无法继续享有这份福利,在续保不到一月,就与世长辞。

林瑞莲对于如何衡量“伤残”的标准,来决定保户是否符合健保索偿资格感到困惑,特别是政府收了上亿元的保费,但是K先生这样的个案却无法享有保障,如果相同情况也发生在即将落实的终身护保,令人难以接受。

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