1. What is nursing insurance?
Nursing insurance is a kind of health insurance, which refers to the insurance that pays insurance money on the condition that the nursing demand is caused by the disorder of daily living ability agreed in the insurance contract, and provides protection for the nursing expenses of the insured, and provides compensation for the nursing service expenses of the insured who needs long-term care due to old age, illness or disability. Mainly for the following three major needs:
According to statistics, at the end of 2005, the number of elderly people over 60 in China was nearly 654.38+44 million, accounting for 654.38+065.438+0% of the total population. It is estimated that by 2040, the number of elderly people over 60 will reach more than 250 million, accounting for 23.79% of the total population, and they are 20 years old. The problem of aging is becoming more and more serious, and more and more elderly people will face realistic care and nursing risks in their later years.
2, the nursing needs of the late stage of serious illness After the treatment of serious illness, the body has not fully recovered. This is because the direct treatment of serious illness costs a lot of money, and the later nursing, nutrition, rehabilitation and other expenses all need a lot of money. With nursing insurance, the pressure of nursing expenses in the later period can be reduced.
3. Nursing needs of the disabled At present, there are more than 60 million disabled people in China, accounting for about 5% of the total population, that is, there is one disabled person in every five families. Disabled people often need the care and care of their families in their daily lives because of their mobility difficulties. In this regard, the help of nursing insurance has also reduced the heavy burden on families.
2.202 1 how much is the long-term insurance for one month? So, how much nursing expenses can long-term care insurance share? For example, 70-year-old Li Bobo can't take care of himself because of sudden cerebral hemorrhage, and the monthly nursing fee is nearly 6,000 yuan. After applying for long-term care service, through appraisal and evaluation, professional nursing workers will come to provide 8 hours of care every day, and the nursing expenses can be reimbursed nearly 3,000 yuan per month, and they only need to bear about 3,000 yuan. Regardless of the economy or the care of the disabled elderly, long-term care insurance can share the pressure for families, make the rehabilitation of the elderly more hopeful, and children can return to normal working life.
3. Is long-term care insurance worth buying? The insurance premium of insurance management is allocated from the medical insurance stock fund, which is shared by enterprises and individuals, and no additional social insurance premium is paid. At present, there are three ways to raise funds for long-term insurance in demonstration cities. First, according to the proportion, based on the per capita income of the family this year, the individual sharing expenses, medical insurance stock funds and financial bureau subsidies are calculated according to a certain proportion. Second, the budget is fixed to raise funds, and the amount allocated each year is required to be standardized. For example, Shangrao allocated 40 yuan from the medical insurance personal account, 30 yuan from the medical insurance stock fund, and 30 yuan from the Finance Bureau. Third, the mixed mode, the employee's medical insurance, according to 0.3% of the monthly medical insurance payment base, will be transferred to long-term insurance, and family medical insurance will be paid to 30 yuan every year.
4.202 1 What are the long-term policies? Where can I buy it?
① Ping An Enjoy Long-term Care Insurance Product Features: Ping An Enjoy Long-term Care Insurance This product is a combination of old-age security and nursing insurance, providing full-term insurance coverage. If the insured fails to make insurance claims during the insurance period, the insurance company will refund the premium paid in full. The payment method is flexible. When you enjoy the nursing insurance safely, you can add the Jucaibao universal account. When the insured reaches the state of long-term care, the monthly care fund can be added to the universal account to increase its value.
② Product features of Kunlun Health's exclusive life-long care insurance for Jinsheng: The exclusive life-long care insurance for Jinsheng has two major features: First, the life-long insurance coverage is locked in the future, and the effective insurance coverage of users has increased by 3.5% compound interest every year since the second policy year; Secondly, the flexible use of wealth appreciation, during the validity period of the policy, the insured can apply for policy loans according to the financial situation to meet the temporary large capital needs; Thirdly, health protection will accompany you all your life. After the contract comes into effect, the insured can get lifelong and effective medical care and care, and care with care to ensure a worry-free life.