Guangzhou long-term insurance evaluation standard

Guangzhou Changbao evaluation standard is mainly based on whether the insured can live independently and take care of themselves in daily life, which is divided into five grades. The evaluation result will directly affect the insurance premium and the scope of claims.

Guangzhou long-term insurance is a kind of insurance based on the ability of daily living, which is mainly aimed at the elderly, the disabled and other people who need long-term care. The coverage of the insurance covers daily care, nursing, rehabilitation and other aspects, while the insurance amount and claim scope are determined according to the rating of the insured. The evaluation criteria of Guangzhou long-term insurance are mainly based on the insured's independent living ability and daily life self-care ability, which are divided into five grades: A, B, C, D and E. The specific evaluation contents include daily life activities, intelligence and emotion, social participation and environmental adaptation, etc. The evaluation results will directly affect the insurance benefits and claims scope. Among them, Grade A means that you can live completely independently and take care of yourself in daily life, and Grade E means that you need all-weather care and nursing. The insured can choose a medical institution recognized by Guangzhou Medical Insurance Fund Committee for evaluation, or a third-party institution with evaluation qualification for evaluation. The appraisal result is valid for two years, and the insured needs to apply for compensation within the validity period.

What is the insurance coverage of Guangzhou Mayor? Guangzhou mayor's insurance coverage mainly includes daily care, nursing and rehabilitation. Including but not limited to personal care, toilet cleaning, diet and feeding, getting up and lying down, indoor and outdoor sports, mental stimulation, family safety and so on.

Guangzhou mayor's insurance evaluation standard is mainly based on the insured's independent living ability and daily life self-care ability, which is divided into five grades. The insured can choose a medical institution or a third-party institution for evaluation, and the evaluation results are valid for two years, which will directly affect the insurance premium and the scope of claims. Guangzhou Mayor's insurance coverage includes daily care, nursing, rehabilitation and other aspects, providing important insurance coverage for the elderly, the disabled and other people who need long-term care.

Legal basis:

"Trial Measures for Long-term Care Insurance in Guangzhou" Article 5 The long-term care insurance fund shall be charged from the overall social medical insurance fund for employees. During the first trial period, the long-term care insurance fund will be included in the budget management of social security fund, and the income and expenditure demand of long-term care insurance in the following year will be calculated according to the financing standard per person 130 yuan and the treatment standard stipulated in the present Measures, which will be included in the income and expenditure budget of social medical insurance fund for employees and included in the special account of social medical insurance fund for employees. The adjustment of financing standards shall be formulated by the municipal administrative department of human resources and social security in conjunction with the municipal finance department, and shall be implemented after being reported to the Municipal People's Government for approval according to procedures.