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Original title The “sixth insurance” of social security is here. The new 14 cities will be added to the pilot program, which may alleviate a significant problem
As you get older, how to have a decent old age has become a question that more and more people begin to ask themselves.
According to a report by the Office of the National Labor Committee on Aging, at the end of 2019, the Chinese population aged 60 and over reached 254 million. It is estimated that by 2053, China’s elderly population will reach a peak of 487 million, representing 34.9% of the total population. One in three people is an older person.
There is another data that is worth paying attention to: more than 40 million. This is the current number of disabled and semi-disabled elderly in China, and this number continues to rise.
Image source: CCTV Finance
There is also a data set in the “China Long-term Care Survey Report 2018-2019” published jointly by the China Insurance Industry Association and the Chinese Academy of Social Sciences: 4.8% of the elderly have severe disabilities in their daily activities and 7% are moderate. In the disabled state, the total disability rate is 11.8%. In other words, more than one-tenth of the elderly cannot fully care for themselves in basic life, such as dressing, eating, bathing, and going to the bathroom. The decline in basic self-care ability is also accompanied by a decline in independent living capacity: 25.4% of the elderly need comprehensive care.
In this context, the National Health Insurance Administration and the Ministry of Finance recently issued the “Guiding Opinions on the Expansion of the Pilot Program of the Long-Term Care Insurance System”, clearly expanding the pilot program of long-term care insurance. . What is the long-term care insurance called “sixth insurance” from social security? Can we trust him in the future?
14 new pilot cities added
“The monthly cost of nursing care for the semi-disabled elderly is 6,000 yuan, for the totally disabled elderly between 7,000 and 8,000 yuan, and the cost of caring for the elderly with dementia is close to 10,000 yuan, and the severity of illness to determine whether to accept … Net reporters recently obtained a quote for nursing care during a consultation with an elderly care institution in Beijing.
According to data released by Beijing, the average basic pension for retirees in 2019 is 4,157 yuan per month. Obviously, for disabled older people, the high cost of care has become a heavy financial burden.
The needs of society have led to the emergence of a long-term care insurance called “sixth insurance” of social security.
Long-term care insurance was piloted in 2016, focusing on basic life care and health care costs for people with severe disabilities.
According to the China Central Broadcasting Corporation, after four years of testing, the pilot line of long-term care insurance has been further expanded. On September 16 of this year, the National Health Insurance Administration and the Ministry of Finance issued the “Guiding Opinions on the Expansion of the Pilot Program of the Long-Term Care Insurance System” (hereinafter, the “Opinions”) , which clearly defined Beijing, Tianjin, Shanxi, Inner Mongolia Autonomous Region, Liaoning, Fujian, Henan, the relevant urban areas of 14 provinces, autonomous regions and municipalities, including Hunan, Guangxi, Guizhou, Yunnan, Shaanxi, Gansu and Xinjiang Uygur Autonomous Region are included in the pilot long-term care insurance system. In addition to the original production and construction corps of Hebei, Jilin, Heilongjiang, Shanghai, Jiangsu, Zhejiang, Anhui, Jiangxi, Shandong, Hubei, Guangdong, Chongqing, Sichuan and Xinjiang, there are currently 28 care insurance provinces, districts and pilot cities long-term.
Image source: National Health Insurance Administration
In addition to the expansion of the pilot scope, the “Opinions” also propose new objectives. In about two years, we will explore and further improve the operational mechanism of long-term care insurance, and strive to basically form an adaptation to the level of economic development and aging during the “XIV Five-Year Plan”. The insurance policy framework of Missing long-term care can effectively alleviate the impact and impact of an aging population on China’s social and economic development.
500,000 disabled elderly people in Shanghai enjoy long-term care insurance
The “Opinions” indicated that the objects insured in the pilot phase originate from the people insured by the employee’s basic medical insurance, focusing on solving the basic needs of care security for the severely disabled, and giving priority to eligible disabled elderly and severely disabled. In terms of payment of benefits, the long-term care insurance fund is used primarily to pay the expenses incurred in the provision of basic care services by institutions and qualified personnel. Disabled policyholders who have undergone standardized diagnosis and treatment by medical or rehabilitation institutions for a period of more than 6 months, and who have passed the evaluation through the application, can enjoy the relevant treatments as needed. Implement differentiated treatment guarantee policies based on different levels of care and service delivery methods, and encourage the use of home and community care services. The general level of payment from the fund is controlled at approximately 70% of the cost of nursing services that comply with the regulations. We will do a good job of linking long-term care insurance with policies such as subsidies for the elderly and disabled elderly with financial difficulties, as well as subsidies for nursing care for the severely disabled.
According to CCTV Finance, in previous pilot cities, Granny Chen in Shanghai has already used long-term care insurance. Granny Chen is 89 years old, suffers from Parkinson’s disease and cannot take care of herself. Five days a week, the caregiver will come to your home to provide professional care services for one hour.
Aunt Chen’s daughter Ji Zumei said that no matter how well she is in a nursing home, she always thinks it is good to be home. There are long-term care insurance caregivers on site, which eases my burden. Without such a good policy, trusting only me, I am already 65 years old, which is definitely very exhausting and overwhelming.
Image source: CCTV Finance
Under the policy, seniors who pass the assessment can receive 3-7 hours of service per week depending on the level of disability. Five-hour medical care at Chen Apo’s place costs 65 yuan / hour, and she only needs to pay 6.5 yuan, and the remaining 90% is paid by the long-term care insurance fund. In 2019, this service has benefited nearly 500,000 disabled seniors like Chen Apo.
These cities have explored expanding the scope of services
According to China News Network, data from the National Health Insurance Bureau shows that, as of the end of June 2019, the number of participants in long-term care insurance in 15 pilot cities and 2 key contact provinces reached 88, 54 million, and the number of people enjoying the benefits was 426,000. The annual per capita fund Pays more than 9,200 yuan.
It is worth noting that some cities have further expanded the scope of services on this basis.
For example, in 2018, the Nantong Municipal Government issued the “Basic Care Insurance Assistive Device Services Implementation Opinions (Trial)”, which innovatively included the medical assistive devices in the scope of the long-term care insurance services.
According to the document, the cost of home disability assistive device services is controlled by the annual cost cap, which is temporarily implemented at 6000 yuan for people with severe disabilities and 4000 yuan for people with moderate disabilities. Within the limit, the fees within the care insurance payment standard are paid by the fund and the individual in a ratio of 8: 2, and the expenses to be borne by the individual and the expenses that exceed the annual limit are paid by the individual in cash.
Households with disabilities and dementia can rent large assistive devices such as wheelchairs, nursing beds, nursing robots (14,710, 0.00, 0.00%), and other large assistive devices at prices ranging from 1 to 10 yuan per day. ; and they can be sold at prices well below the market price. The price, including diapers, nursing pads, bath chairs, walking aids and other consumable assistive devices can be bought quantitatively.
The City of Guangzhou launched a commercial insurance for the care of the elderly in 2019. Seniors with severe disabilities who are 80 years of age or older can enjoy the protection of commercial insurance for the elderly with severe disabilities if they meet the applicable conditions.
Prior to this, Guangzhou has applied for more than 7,000 elderly care insurance benefits, and more than 5,000 elderly people have passed the assessment and have already enjoyed the benefits.
Source: CCTV Finance
