Job Recruitment Website - Social security inquiry - What is long-term care insurance?

What is long-term care insurance?

Long-term care insurance refers to the insurance that an individual cannot take care of himself because of old age, illness or disability, and the insured receives treatment at home or in a nursing home, accompanied by a special person to reimburse the expenses incurred.

Long-term care insurance is also known as the "sixth insurance" in social security, so how much do you know about the new social security regulations? Click here to see: 202 1 What are the new social security regulations? What adjustments have been made? 》

If you look here, long-term care insurance is mainly the nursing expenses of ordinary life, excluding medical expenses. This is also the difference between long-term care insurance and medical insurance. Medical insurance generally only reimburses medical expenses. The expenses of the insured's nursing staff are not within the scope of liquidation.

Through the interpretation of the concept of long-term care insurance, we can know that we are "old" and "unable to take care of ourselves". It can also be seen from these two words that "six guarantees" means solving the problem of old-age care.

Now, China has entered an aging society. After retirement, the health of the elderly is naturally the best, but many people can't do it. At this time, you need the care of experts.

The emergence of long-term care insurance can transfer material losses. Whether it is the long-term care insurance in social security or the possibility of the company launching corresponding products one after another, it can play a role in transferring risks.

Moreover, this kind of nursing has a special purpose, which can ensure better help to the insured and more professional protection of their quality of life.

As the old saying goes, there is no dutiful son before the bed. In fact, the emergence of long-term care insurance can also alleviate the contradiction between children and the elderly to a certain extent, at least without taking care of them day and night, or spending all the time on nursing expenses to kill their families.

Dad's summary

Generally speaking, the emergence of long-term care insurance provides certain protection for the elderly and the disabled, and improves the social pension system. However, if you want to live an elegant old age, not only long-term care insurance, but also other insurance types should be equipped.