A typical long-term care policy requires the insured not to complete two of the following five activities:
1, eat;
2. Take a bath;
3, dressing;
4. Go to the toilet;
5. move.
In addition, patients with cognitive impairment such as Alzheimer's disease usually need long-term care, but they can carry out some daily activities. In order to solve this contradiction, all long-term care insurance covers Alzheimer's disease, Akimi's disease and other mental disorders.
1, all kinds of enterprises, private non-enterprises, state organs, institutions and other basic medical insurance units for urban workers within the administrative area of this Municipality; Individual insured persons of basic medical insurance for urban workers such as individual industrial and commercial households, freelancers and flexible employees.
2, in accordance with the hospitalization and other ways to participate in the basic medical insurance for urban workers, insured persons without personal accounts voluntarily participate in long-term care insurance for urban workers.
3. Employees who have enjoyed living nursing expenses in accordance with the national industrial injury insurance policy will no longer participate in long-term care insurance.
When applying for long-term care insurance benefits, the insured shall pay for more than 2 years (inclusive) continuously and the accumulated payment shall be over 15 years. The insured shall continue to pay according to the individual payment standard during the period of enjoying the treatment.
1, those who have participated in the basic medical insurance for urban workers in this city before July, 2065438, and have not stopped paying (except for retired insured persons who do not pay), and have paid long-term care insurance premiums continuously since July, 2007 1, 2065438, are not limited by the payment period when applying for long-term care insurance benefits.
Legal basis:
Measures for the administration of health insurance
Article 2 The term "health insurance" as mentioned in these Measures refers to the insurance in which an insurance company pays insurance money to the insured due to health reasons or medical behaviors, mainly including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident injury insurance.
The term "medical insurance" as mentioned in these Measures refers to the insurance that provides protection for the medical treatment and rehabilitation of the insured in accordance with the insurance contract.
The term "sickness insurance" as mentioned in these Measures refers to the insurance that provides protection for the insured in the event of diseases agreed in the insurance contract.
The term "disability income loss insurance" as mentioned in these Measures refers to the insurance that pays insurance benefits on the condition that the illness or accidental injury agreed in the insurance contract leads to the loss of labor ability, and provides protection for the insured's income reduction or interruption in a certain period of time.
The term "nursing insurance" as mentioned in these Measures refers to the insurance that provides protection for the nursing needs caused by the loss of the insured's ability of daily living in accordance with the insurance contract.
The term "medical accident insurance" as mentioned in these Measures refers to the insurance that provides protection for the insured in the event of medical damage not attributable to medical institutions and medical personnel according to the insurance contract.