What is the definition of long term care insurance under social insurance?

The long-term care insurance system is a system in which the entire society supports nursing care and provides services with peace of mind according to the wishes of users. Foreign nationals are required to participate in this program if they are 65 years of residence or older, and if they are enrolled in health insurance, they are required to participate in this program.

Persons who are eligible for the service include: (1) persons aged 65 and over who are considered to be in need of care and assistance in their daily lives, and (2) persons aged 40-65 who are deemed to be in need of care and assistance due to specific diseases. The payment limit is determined according to the status of the need for nursing care according to the classification (need for nursing care certification).

The elderly are more likely to get sick due to their poor body resistance, and the current ** cost is becoming more and more expensive, especially in terms of inpatient care and medical treatment. In order to alleviate your financial stress in this regard, it is necessary to choose a suitable care insurance for the elderly in a timely manner.

What does nursing care insurance mean in health insurance.

Long-term care insurance is insurance that compensates for the cost of nursing care services for those insured persons who require long-term care due to old age, illness or disability. This is an insurance that provides protection for the insured's nursing expenses on the condition of payment of insurance benefits due to the need for nursing care caused by the impairment of daily living ability as stipulated in the insurance contract. It is a type of health insurance.

In contrast to other insurance products, nursing care insurance focuses on providing long-term care coverage.

The role of nursing care insurance.

1.Long-term care insurance generally has a premium waiver that waives premiums for subsequent periods once the insured is determined to be in need of "long-term care" during the payment period. In addition, all long-term care insurance policies are guaranteed to be renewed, and some are even guaranteed for life, and insurance companies are not allowed to increase insurance rates for individuals when the policy is renewed.

2.The premiums of long-term care insurance are usually flat, but there are also fixed increases every year or every period, and the annual premiums vary greatly depending on the age of application, waiting period, amount of insurance and other conditions. Generally, there is a waiver of premiums, which means that the insurer will waive the premium after 180 days after the insurer begins to fulfill the insurance payment obligation.

3.It can provide good financial support and protection for the elderly and post-care of serious illnesses.

To choose a suitable nursing insurance for the elderly, you must choose the right insurance platform, which is an e-commerce platform that provides professional nursing insurance, and you are welcome to compare and buy.

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Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Long-term care insurance is insurance that covers the cost of nursing care for the insured person on the condition that the need for nursing care is caused by a disability in daily living as specified in the insurance contract. This is a type of health insurance. When an insured person needs to receive nursing care services, they will receive a variety of nursing care services provided by the nursing care insurance system through application and identification.

This care can be a home service or facility. The cost of nursing care services is mainly covered by nursing care insurance, and the individual only bears part of the cost.

Middle-aged and elderly people still buy these insurances first, so that they can rest assured "What are the elderly insurance? What kind of insurance should I buy for my parents? These terms are your look".

Answer: Hello, long-term care insurance refers to insurance that provides protection for the insured's nursing expenses based on the condition of paying insurance benefits due to the nursing needs caused by the impairment of daily living ability as agreed in the insurance contract. It is a type of health insurance.

Features of Long-Term Care Insurance:

1) The main form of nursing care insurance is long-term care insurance, with middle-aged and elderly people over 50 years old as the main consumer group, which can be purchased by individuals or by enterprises for employees.

2) Long-term care insurance needs to develop a claim judgment standard table.

3) Long-term care insurance has many forms of insurance liability. There are generally three types of care: professional home care, daily home care, and intermediate home care.

4) Long-term care insurance usually promises the renewability of the policy in the insurance contract, ensuring the long-term validity of the long-term care policy. Beneficiaries of long-term care insurance can also enjoy preferential tax treatment, among other things.

Summary. Nursing care insurance refers to a form of insurance, mainly to protect the insured in the event that the insured needs long-term care due to accidents or illnesses in his life, he can receive certain financial compensation and nursing services.

Nursing care insurance refers to a form of insurance, which is mainly to protect the insured in the event that the insured needs to return to long-term care due to accidents or illnesses in his life, and can receive certain financial compensation and nursing services.

Can you tell us more about that?

Nursing care insurance refers to a form of insurance, mainly to protect the insured in the event that the insured needs long-term care due to accidents or illnesses in his life, he can receive certain financial compensation and nursing services. Nursing care insurance usually includes two aspects of protection: one is economic security, that is, when the insured needs long-term care, the insurance company will pay a certain amount of nursing expenses to the insured in accordance with the contract, and the other is service guarantee, that is, the insurance company will provide certain nursing services, such as dispatching professional nursing personnel, providing ** training and other care group insurance is usually suitable for the elderly, the disabled, people with serious illnesses and other people who need long-term care.

The scope and amount of coverage of nursing care insurance vary depending on the insurance company and the specific insurance product, so you need to choose the insurance product that suits you according to the actual situation.

Who can apply for long-term care insurance benefits?

In the pilot stage, those who meet the following conditions at the same time can enjoy long-term care insurance treatment:

1. Persons aged 60 or above, and those who have gone through the procedures for applying for basic pensions and resident medical insurance personnel among the employee medical insurance personnel who have gone through the procedures for applying for the basic pension according to the provisions of the section for the license;

2. Long-term care insurance participants who have passed the unified needs assessment of the elderly passport and whose disability degree has reached the assessment level 2 to 6.

Expand the loss of Duan Zhan reading: [Insurance] How to buy, which is better, teach you to avoid these insurance"pits"

Answer] :d nursing care insurance, also known as long-term care insurance, is a kind of health insurance that provides compensation for the cost of nursing services for the insured who need long-term care due to old age, illness, or disability. Item A: Although people with cognitive impairments such as Alzheimer's disease can complete certain daily activities, they usually need long-term spring chain care, for which they can apply for insurance benefits; b: Not only commercial insurance companies provide nursing care insurance, but also social insurance in many countries; C nursing care insurance began in the mid-80s of the 20th century.

Long-term care insurance refers to insurance that provides protection for the insured's nursing expenses due to the nursing needs caused by the impairment of daily living ability as agreed in the insurance contract. It is a type of health insurance, and nursing care insurance is divided into social security nursing care insurance and commercial nursing care insurance.

If we want to plan for the elderly in our family or for ourselves, commercial nursing care insurance is a good option. Commercial nursing care insurance and "sixth insurance" complement each other to give parents more comprehensive protection, because now the average life expectancy is gradually increasing, and the possibility of disability in the elderly is higher, and the nursing fund is when this happens, to relieve the financial pressure of family members, at least a fund as a nursing expenditure.

In fact, products such as nursing care insurance are more like savings insurance from the perspective of protection. Some friends also asked whether nursing care insurance is suitable for parents. Daddy's answer is yes.

One is because the parents are old, and there are often more obstacles to buying health insurance, such as not being able to pass the health notice, and they are afraid that the premium will be upside down. The other is that the cash value of the long-term care insurance is higher, and even if the parents are not out of insurance, it can be used as a supplement to the pension.

Long-term care insurance is a kind of health insurance, which is a kind of insurance that provides protection for the insured's nursing expenses when the insured's daily living ability is disabled and needs care. To a certain extent, nursing care insurance can alleviate the economic and mental burden of individual families, and can also alleviate the social pressure brought about by aging, which is a public welfare insurance type in commercial insurance.

At present, the demand for nursing care insurance is actually very large for Chinese residents, because not only those elderly people need care, but also some people who have lost their ability to live due to major diseases, and some disabled people also need care. Therefore, long-term care insurance is mainly for those who need long-term care due to old age, illness or disability.

At present, our country's nursing insurance is mainly used as an additional insurance for life insurance, so compared with nursing insurance in the real sense, the current operation of nursing insurance in China is more similar to that of endowment insurance.

What does long-term care insurance mean?

Long-term care insurance, also known as long-term care insurance, is a relatively new insurance product that provides services for people in need of long-term care.

These costs may relate to daily living, medical care, home care, skilled nursing care, and more.

What does long-term care insurance mean, the relevant concept has been clearly introduced.

So what are the advantages and significance of long-term care insurance?

Combined with the "Notice on Carrying out the Pilot Project of Life Insurance and Long-term Care Insurance Liability Conversion Business", the significance of long-term care insurance is mainly reflected in three aspects:

The first is to effectively increase the supply of long-term care protection in a short period of time, and alleviate the pressure on the nursing costs of disabled people who already hold life insurance policies.

The second is to improve the multi-level long-term care security system, improve consumers' awareness of nursing insurance, and effectively improve the nursing protection ability of insurance customers.

The third is the conversion of long-term care insurance rights and interests, which has become a new highlight of the Ministry's life insurance products, innovating the insurance service model, enriching the supply of insurance products, and meeting the needs of long-term care services and protection.

The advantages of long-term care insurance are reflected in the following three aspects:

1.Personalization.

Long-term care insurance can be tailored to the specific needs of the insured, such as health status, age, income level, and family status.

2.Addressing long-term care risks.

Long-term care insurance is a future-oriented risk protection that can provide long-term care support for the elderly and reduce the burden on families.

3.High utilization rate of funds.

According to statistics, the cost of care for the elderly is usually high, and in the event of illness or accidents, families can bear a huge financial burden.

Long-term care insurance can provide protection when needed, greatly improving the efficiency of capital utilization.