Long-term care insurance, the full name of which is long-term care insurance, is aimed at people who have lost the ability of daily living, are old and sick, and need long-term care, and take the insured with long-term disability as the protection object. After participating in long-term insurance, the elderly who pass the examination can get 3 to 7 hours of service every week according to the degree of disability, and 90% of the expenses incurred by nursing are paid by the long-term insurance fund.
Long-term care insurance, referred to as long-term care insurance, refers to the insurance that provides care expenses or services for people who lose their ability to take care of themselves in daily life due to old age, illness or disability, and is called "six social insurance". After receiving long-term insurance benefits, nursing institutions provide 12 hours home service every month, and family members can arrange the length of each home visit through consultation according to their own conditions, providing 32 kinds of care for the elderly, such as cleaning care and rehabilitation care. It can be said that the most difficult and professional part of caring for the elderly is basically given to caregivers, greatly reducing the burden of family care. In addition, a monthly home care subsidy of 1 1,000 yuan will be provided, greatly reducing the economic burden of families with severe disabilities. As long as they are insured by local medical insurance, all students and children can apply for long-term insurance. The insurance premium is 90 yuan every year.