We often say "five social insurances and one housing fund", which refers to five social insurances such as pension and medical care. Since 2016, China has begun to pilot long-term care insurance in addition to the five social insurances to provide basic living care and medical care for disabled persons. Nursing, providing services or financial security.
Long-term care insurance is called the "sixth insurance".
So, what kind of protection can the insured of long-term protection insurance get?
What problems did you encounter in actual implementation?
Guarantee the provision of services or funds for disabled and semi-disabled people
Xia Hai, a 49-year-old citizen of Jinan, Shandong, is undergoing rehabilitation training at the nursing home rehabilitation center.
A few years ago, he suffered a cerebral hemorrhage, his body was completely disabled, and he was unable to take care of himself.
Jinan City began to pilot a long-term protection insurance system in 2016, and Xia Hai is the direct beneficiary.
In order to meet the needs of all kinds of disabled persons, Jinan has established three types of nursing services: home care, nursing home care, and medical rehabilitation institutions. The disabled can enjoy long-term care ranging from 1,800 yuan to 6,600 yuan per month. Insurance reimbursement treatment.
Pilot cities use multiple methods to raise funds
According to the seventh census data, the population of our country aged 60 and above has reached 264 million, of which more than 40 million are disabled and semi-disabled.
Currently, 49 cities in China have launched long-term care insurance pilot projects.
Pilot cities explore long-term care insurance as an independent type of insurance to raise funds, starting from people participating in urban employee medical insurance, raising funds from the basic employee medical insurance premiums paid by them, and managing them by commercial insurance companies to purchase professional services from long-term care institutions .
In Nantong, Jiangsu, the financing standard for long-term care insurance is 100 yuan per person per year.
Gu Zhongxian, a second-level researcher of the Nantong Medical Security Bureau, Jiangsu Province:
Individuals only need to pay 30 yuan a year. Our medical insurance fund also subsidizes 30 yuan, and the financial subsidy is 40 yuan.
Help fill up the shortcomings of long-term care services to be further developed
Statistics show that, in the face of increasing demand for nursing care, in 2020, there will be 4,845 long-term care insurance designated nursing service institutions, and the number of service personnel has reached 191,000.
However, there is still a shortage of service personnel and fewer professional institutions in some places.
At the same time, market access, exit standards and assessment indicators, etc., also need to be further regulated.
Wang Zhen, researcher at the Institute of Economics of the Chinese Academy of Social Sciences: You
have raised money, but you cannot buy suitable services. Our current long-term care industry has a relatively low level of standardization and its standardization. It must be purchased Services to encourage and support the development of the long-term care service supply industry.