Abstract: The article overviews and compares the two categories of pricing model of long-term care insurance----basic and dynamic pricing models which used commonly abroad, and points out that the discrete-time Markov chain model could be served as a basis for long-term care insurance pricing model in our country. On this basis, the article calculates it using actual data of China, and analyzes the effects of results by changing in rates of recovery. Furthermore, the article makes some amendments on the model to adapt to China's realities.

摘要： 本文将国外比较常用的长期护理保险定价模型分为基础和动态定价模型两大类，分别进行综述分析与比较，指出离散时间的马尔科夫链模型可以作为我国长期护理保险定价的基础模型；并在此基础上，将我国的实际数据代入该模型进行测算，并分析康复率变动对数值核算结果的影响，同时对该模型提出了一些修正建议以进一步适应我国实际情况。