1. 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 as long as possible, not to cure. Long-term care insurance can be used as economic compensation for nursing expenses.
Long-term care insurance mainly covers the daily care expenses of the elderly or caused by illness or disability. Generally divided into home care and institutional care. The difference between medical insurance and medical insurance is that medical insurance mainly guarantees the expenses needed for medical treatment, while long-term care insurance is mainly used to guarantee the expenses paid for general life care, generally excluding medical intervention.
About 20 years ago, the United States began long-term care insurance. Long-term care insurance has been developing very well in Germany and France. In the United States, long-term care insurance has increasingly become the most popular insurance for families, accounting for 30% of the American life insurance market.
Second, the payment conditions standard:
1. The ability of daily activities is invalid. Including: getting up to sleep, or living activities, dressing and undressing;
2. Medical necessity and hospitalization. Insurance companies require the insured to live in nursing homes as much as in hospitals.
3. Cognitive defense disorder. Usually, if the insured is diagnosed with some cognitive impairment, it is considered that long-term care is needed.
Three. Insurance liability:
The insurance companies are different, and generally have the following contents:
1. long-term care insurance. The insured loses the ability to live due to accidental injury and other reasons.
2. Cancer insurance. Insurance is responsible for judging the first occurrence of a specific cancer within a fun range.
3. Death insurance. You can get the death of the insured.
4. Care insurance for the elderly. The insured needs to get it after the age of 60.
5. Old-age sickness insurance. The contracted disease occurred for the first time.
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