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The AXA Research Project on How can private long-term care insurance supplement state systems? The UK as a case study

30 January 2013

Hosted by the International Long-Term Care Policy Network (ILPN).

Aim: Presentation and discussion of the findings of the AXARF funded study on how private long-term care insurance can supplement state systems.

The study has involved:

1. Consideration of ways in which some of the challenges facing wider take-up of long-term care insurance in the UK could be addressed, including interaction with state funding;

2. Estimating the expected life-time costs of care for older people in England, by gender and other characteristics under different patterns of care;

3. Estimation of possible premiums for different potential types of private or private/public insurance policies;

4. Consideration of the affordability and attractiveness for different individuals of policies with varying levels of premiums and pay-outs, for a range of assumptions on how insurance would interact with state funding; and

5. Preparation of projections to 2032 of public and private social care expenditure under different potential insurance schemes.


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