Nursing insurance refers to social insurance that raises funds in the form of social mutual assistance to provide services or economic security for the basic life care of long-term disabled people and medical care closely related to their basic life. In short, nursing insurance is a social insurance that provides protection for the long-term disabled. If the insured wants to apply for nursing insurance, he can bring his ID card, social security card or medical insurance card and other related materials. If you entrust others to do it for you, you need an agent's ID card, apply to the nearest community affairs acceptance service center, and choose a designated nursing service institution suitable for the long-term disabled. Generally speaking, the long-term disabled refers to the elderly and dementia patients who have no source of livelihood after retirement. Staff and workers' medical insurance personnel shall raise nursing insurance funds according to 1% of the employee medical insurance payment base paid by the employer. According to the number of residents' medical insurance personnel, the per capita financing level is slightly lower than that of the first category personnel, and the funds are transferred from the residents' medical insurance pooling fund as nursing insurance financing every quarter. Specific financing standards shall be subject to the provisions of the local social security bureau. The service scope of nursing insurance is implemented according to the diagnosis and treatment items, medical service facilities and medication scope of local employee medical insurance. The charging standard of nursing insurance shall be implemented in accordance with the relevant provisions of local medical service items and price compilation.
Practical significance of long-term care insurance
1. Establishing long-term care commercial insurance will greatly reduce the burden on the family.
2. It helps to reduce the probability of conflict between doctors and patients, promote social harmony and maintain the stability of social development.
3. Improve the allocation of resources, increase the employment rate of students in the tertiary industry, and create new breakthroughs in economic development. The emergence of the long-term nursing consumer market will also create great opportunities for the development of the aging industry, thus improving students' employment methods and expanding employment methods, improving resource allocation, increasing students' employment ratio in the tertiary industry, and generating new breakthroughs in economic development.