What are the requirements for long-term insurance?

The requirements for applying for long-term insurance are as follows:

1. To apply for long-term care insurance, the applicant must be over 60 years old; Then you need to participate in medical insurance for local residents or employees, and pay fees according to regulations to enjoy medical insurance benefits;

2. After the standardized diagnosis and treatment by medical institutions or rehabilitation institutions, the disabled insured who has passed the assessment after application can enjoy relevant treatment according to regulations.

The application process of long-term care insurance is as follows:

1. For example, you can call the hotline of the local social security service center or the customer service hotline of the underwriting insurance company to apply;

2, the insured himself or his relatives, the designated agent to carry the insured long-term care insurance certificate, application form, disease diagnosis certificate, inspection report and other required information, to the local long-term care insurance designated institutions to apply for long-term care evaluation;

3. Preliminary examination: After the preliminary examination by the designated institutions of long-term care insurance, the designated institutions of long-term care insurance will declare the information of the insured online;

4. On-site appraisal: Generally, the municipal labor ability appraisal center arranges the insured to accept on-site appraisal;

5. Collective evaluation: According to the arrangement of the Municipal Labor Ability Appraisal Center, the insured also needs to accept collective evaluation;

6. Publicity: After the evaluation is completed, the evaluation results will be publicized on the website of the municipal human resources and social security department and the designated institutions of long-term care insurance, and the insured can inquire by themselves. If there is any objection during the publicity period, you may apply for a review;

7. If there is no objection after publicity or examination, the Municipal Labor Ability Appraisal Center will issue a "Long-term Care Needs Assessment Opinion" within 60 days from the date of online declaration, which will be delivered to the applicant by the designated institution of long-term care insurance;

8. Applicants choose their own nursing methods;

9. Reimbursement settlement: The insured accepts the related liability protection provided by long-term care insurance, which is generally kept by the designated institutions of long-term care insurance, and then reimbursed and settled by the designated institutions of long-term care insurance and the long-term care insurance fund.

To sum up, differentiated treatment guarantee policies should be implemented according to different nursing levels and service delivery methods. According to the degree of disability, you can get different length of nursing service every week.

Legal basis:

Article 4 of People's Republic of China (PRC) Social Insurance Law

Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights records, and require social insurance agencies to provide social insurance consultation and other related services.

Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.