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.
Usually the nursing period is long, which may be half a year, one year, several years or even more than ten years. The significance of nursing is to maintain the individual's physical function for as long as possible, rather than taking cure as the main purpose. Long-term care insurance can be used as economic compensation for nursing expenses.
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Development of Long-term Care Insurance in China
On June 20 16, Ministry of Human Resources and Social Security issued the Guiding Opinions of the General Office of Ministry of Human Resources and Social Security on Piloting the Long-term Care Insurance System, put forward the principle requirements for piloting the Long-term Care Insurance System, and identified 15 cities such as Chengde City in Jilin Province and Qiqihar City in Heilongjiang Province as pilot cities, marking the beginning of promoting the construction and development of the universal care insurance system at the national level.
By the end of June, 20 19, the number of participants in the first batch of 15 pilot cities, such as Qingdao, and two key contact provinces, Jilin and Shandong, reached 88.54 million, and 426,000 people enjoyed treatment.
In May 2020, the Guiding Opinions on Expanding the Pilot Program of Long-term Care Insurance System (Draft for Comment) issued by the National Health Insurance Bureau proposed to expand the scope of the pilot program. On the basis of the original 15 pilot cities, it is planned to expand the pilot scope to 29 cities according to the principle of each province 1 pilot city, with a pilot period of two years. ?
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