Long-term care insurance is to provide life care and closely related medical care for the elderly who have lost their ability of daily living. Solve the most basic life care and medical care needs of these people. Long-term care insurance, like medical critical illness insurance, is a kind of health insurance. If you can't take care of yourself because of functional loss, you must rely on the help of others to live a normal life, and the insurance company will compensate the insured. There is also pension insurance benefits, which the insured can receive after 60 years old; Death insurance money can be collected after the death of the insured.
If an agreed disease occurs for the first time during the insurance period, you can also receive pension insurance money. The object of long-term insurance is basically the insured of medical insurance. China's long-term insurance pilot financing will inevitably involve the overall fund account and personal account of medical insurance, which is an economic normal. It is hoped that the country can introduce a multi-level framework of disability rating standards, and local governments can make more corresponding adjustments. Medical institutions are the main service providers of long-term care insurance. Without the intervention of more private service organizations, the long-term care service market will not be formed.
Long-term bedridden patients are prone to form cumulative pneumonia due to frequent suffocation and cough. They should always sit up, turn over and pat their backs to prevent this from happening. If there is pressure sore, it must be treated in time, otherwise it will do great harm to the patient's health. If the affected side can't move for a long time, it is easy to cause muscle atrophy and retreat, which is not conducive to future rehabilitation. Long-term limb inactivity is easy to form venous thrombosis, which leads to aggravation of the disease.