该文根据对澳大利亚老年医疗保障体系的考察，分析了澳大利亚面临的人口老龄化对医疗服务的挑战，以及该国老年医疗服务的特点，包括多层次的医疗服务体系、老年保健评估制度、老年医疗保障多元化的筹资制度与个体化的评价支付制度。同时，根据上海的实际，提出要建立以社区为依托的多层次服务体系，建立老年保健评估制度，以及护理分类支付制度。 Based on an examination of the Australian medical security system for the elderly, this paper analyzes the challenges faced by the ageing population in Australia for medical services and the characteristics of the country’s aged medical services, including a multi-level medical service system, an elderly health assessment system, and medical services for the elderly. Guarantee a diversified fundraising system and an individualized evaluation payment system. At the same time, according to the reality of Shanghai, it is proposed to establish a multi-level service system based on the community, establish an evaluation system for the elderly health care, and a payment system for care classification.