Social security "six risks" are coming. What is the sixth type of insurance?

The sixth risk is called long-term care insurance. The Guiding Opinions on Expanding the Pilot of Long-term Care Insurance System issued by the National Medical Insurance Bureau and the Ministry of Finance clearly expanded the pilot of long-term care insurance. In fact, long-term care insurance and medical insurance are somewhat similar, both of which are effective under certain circumstances. The specific effective conditions are aimed at the situation that the elderly are incapacitated and semi-disabled.

1. What situations are the six guarantees mainly aimed at?

The elderly are disabled or semi-disabled, that is, they cannot take care of themselves completely and live independently in basic life such as bathing, going to the toilet, dressing and eating. In this case, the elderly definitely need someone to take care of them. However, the aging of modern society is serious, and many elderly people have only one child, which is difficult to take care of. Many times, social pension institutions are needed to help. Nursing homes charge a lot. If you pay for it at your own expense, many families may not be able to afford the care of a disabled elderly person at all. At this time, if the elderly buy long-term care insurance, they only need to bear a small part of the expenses themselves, and most of the other expenses can be borne by the long-term care insurance fund.

Second, what is the role of sixth insurance?

Long-term care insurance can greatly reduce the family burden and the worries of the elderly. It is a good insurance and plays a very important role in ensuring the life of the elderly.

According to the current charging standards for nursing homes, the semi-disability is about 6,000 per month, the total disability is about 7,000 to 8,000 per month, and the demented elderly need tens of thousands of months. It is necessary to evaluate the severity of the disease before deciding whether to accept it or not. Now the population is aging more and more seriously, and many families may have more than one old man. There will be a large number of young people who need to support more than four old people in the future. It is basically impossible to afford this large monthly fee if the income of husband and wife alone. Old people work hard to raise their children, but they have no conditions to be taken good care of when they are old. How helpless and chilling this situation is.

Long-term care insurance is a good way to solve this problem. Now a small amount of investment can guarantee the future pension and reduce the burden for children.

I personally welcome the promotion of long-term care insurance. I don't know what you think.