Should I pay the nursing insurance in the medical insurance?

Long-term care insurance for urban and rural residents needs to be paid, as follows:

1. Long-term care insurance is called the sixth insurance of social security, which is mainly aimed at providing nursing security and economic compensation when the insured loses the ability of daily living, gets sick or dies in old age;

2. Long-term care insurance refers to the insurance that pays the expenses incurred by individuals who cannot take care of themselves due to old age, illness or disability and need to be accompanied by a special person at home or a nursing home.

Long-term care insurance belongs to the category of health insurance, and the subject matter is personal health.

Long-term care insurance for urban and rural residents needs to be paid, and long-term care insurance is not necessarily paid by individuals. Generally speaking, there are three ways to participate in long-term care insurance, so the payment methods are also different, including: 1. Participate in long-term care insurance as an employee, that is, employers and individuals of on-the-job employees take employee personal medical insurance as the payment base.

The medical insurance law is the general name of legal norms to adjust the rights and obligations of all parties in the medical insurance system.

Long-term care insurance is not completed by individual contributions alone, but is composed of employee medical insurance pooling fund, individual contributions and financial subsidies. It is to raise funds in the form of social mutual assistance and public assistance. The expenses paid by individuals can be deducted from the funds in individual medical insurance accounts, and different regions have different requirements for the proportion of individual contributions.

Legal basis:

People's Republic of China (PRC) insurance law

Article 29 The reinsurer shall not require the applicant of the original insurance to pay the insurance premium. The insured or beneficiary of the original insurance shall not make a claim for compensation or payment of insurance money to the reinsurance acceptor. The cedant of reinsurance shall not refuse to perform or delay the performance of the original insurance liability on the grounds that the reinsurer fails to perform the reinsurance liability.

Twenty-third employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 24 The state establishes and improves the new rural cooperative medical system. Measures for the administration of the new rural cooperative medical system shall be formulated by the State Council.

Article 25 The state establishes and improves the basic medical insurance system for urban residents. The basic medical insurance for urban residents combines individual contributions with government subsidies. People who enjoy the minimum living guarantee, disabled people who have lost their ability to work, elderly people and minors over 60 years old in low-income families, etc. , subsidized by the government.