What does long-term insurance mean? How much is the long-term insurance?

Disability in old age, serious illness/accidental disability is terrible. Not only can you not take care of yourself, but you also need someone to take care of you for a long time. If you ask someone to take care of it, the cost is not cheap. Therefore, long-term insurance has also appeared in the market. What does Changbao mean? What is the charging standard for long-term insurance? If you have any questions about this, let's continue reading together.

1. What does long-term insurance mean?

Long-term care insurance, also known as the "sixth insurance" of social security, is mainly an institutional arrangement to provide nursing guarantee and economic compensation for the insured when he loses his ability of daily living, falls ill or dies in old age. Long-term care insurance can protect the insured with long-term disability, focus on solving the basic living care and medical care expenses of severely disabled people, and improve the quality of life of disabled people.

2. What is the charging standard for long-term insurance?

1, long-term insurance in social security

Long-term insurance has been piloted in many areas, and the payment standards in different areas may be different. However, in general, the employer and the insured take the current employee basic medical insurance payment base as the long-term insurance payment base, and the payment ratio is 0.3%. The expenses shall be borne by the employer and the individual, that is, each shall bear 0. 15%. Individual contributions are deducted from employees' medical insurance personal accounts every month.

2. Commercial insurance

At present, the commercial long-term insurance in the market is usually incremental term life insurance. It is up to you to decide how much premium to pay for such products, but a threshold will be set. For example, the threshold of Ruihua Yiyue's worry-free lifelong care insurance is the minimum premium of 5,000 yuan, and the excess must be an integer multiple of 1 1,000 yuan.