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learned from the launching ceremony of deepening long-term care insurance pilot held in Chengdu on August 5, Chengdu will include adult urban and rural residents’ basic medical insurance personnel into the long-term care insurance system from 2021 on the basis of urban employees’ basic medical insurance participants participating in long-term care insurance. How can

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be insured?

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will be collected in combination with basic medical insurance. According to the introduction, long-term care insurance and basic medical insurance will be collected together, which will be raised through individual and unit payment, financial subsidies, and social donations. In

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, the unit payment part of the basic medical insurance for urban employees is allocated from the overall planning fund at the rate of 0.2% per person per month based on the payment base of basic medical insurance for urban employees. The individual payment part of the non retirees under the age of 40 (including) shall be transferred from the individual account at the rate of 0.1% per person per month based on the basic medical insurance payment base of urban employees; the individual payment part of the non retirees over 40 years old shall be transferred from the individual account at the rate of 0.2% per person per month based on the payment base of basic medical insurance for urban employees The basic medical insurance personal account of urban employees is transferred from the individual account at the rate of 0.3% per person per month. The financial subsidy is based on the number of retirees participating in the basic medical insurance for urban employees, and the annual subsidy is made at the rate of 0.1% per person per month.

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urban and rural residents participate in long-term care insurance through personal payment and financial subsidies. In 2021, the individual payment standard is 25 yuan per person per year, which is paid together with the basic medical insurance for urban and rural residents. In 2021, the government will provide an annual subsidy of 13 yuan for each person under 60 years old of long-term care insurance, and 20 yuan per person for those who have reached 60 years old. How can

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enjoy treatment? Up to 75% of the monthly care fee

reporter learned that when the insured personnel are disabled for a long time due to old age, disease, disability, etc., and need long-term care, the service fees, consumables fees, equipment use fees and other expenses related to basic care services incurred by disabled participants who meet the conditions of long-term care insurance benefits after disability assessment are paid by the long-term care insurance fund according to the regulations. The long-term care insurance fund shall not pay for the care expenses that have been paid by social insurance funds such as work-related injury insurance and should be borne by a third party according to law, or those who have enjoyed subsidies according to other policies.

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urban employees’ basic medical insurance should pay for more than 2 years (including) in Chengdu City and pay for 15 years in total. When applying for treatment, if the accumulative payment is less than 15 years, the long-term care insurance payment period can be made up in one time according to the standard, and then the relevant treatment can be enjoyed. Before July 1, 2017, the insured who have participated in the basic medical insurance for urban employees in our city and have paid continuously after the long-term care insurance system is launched are not subject to the limitation of the payment period. When applying for the benefits of

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urban and rural residents’ basic medical insurance, they should have continuously participated in the basic medical insurance for urban and rural residents for more than 2 years (including) in Chengdu, and be in the period of enjoying the basic medical insurance benefits of urban and rural residents.

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it is understood that the care expenses in line with the payment scope of the long-term care insurance fund are subject to quota or quota payment according to the type of insurance, disability level, care service mode and other factors.

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long-term care insurance for urban employees, whose basic care treatment is based on the monthly care expenses of urban employees corresponding to their disability level, and the quota payment is implemented according to the proportion of 75%. On the basis of basic care treatment, they can voluntarily choose to provide social support services or institutional care by agreement care institutions. The long-term care insurance fund shall pay in fixed or limited amount according to different disability levels.

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long-term care insurance for urban and rural residents who are disabled, their basic care treatment is based on the monthly care expenses of urban and rural residents corresponding to the disability level, and the quota payment is implemented according to the proportion of 60%.

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it is reported that as one of the first pilot cities of national long-term care insurance, Chengdu has been the pilot city in urban employees’ basic medical insurance since July 2017. By the end of 2019, it has covered 8.6733 million urban employees, paid 360400 person times and 443 million yuan, which has promoted the continuous improvement of people’s livelihood.

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know more: what is long-term care insurance?

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long-term care insurance refers to the insurance that guarantees the relevant expenses or services of nursing provided by the insured when the insured loses the ability to live or the elderly is ill. After the purchase of long-term care insurance, the insurance company will provide the insured with the protection of nursing expenses.

Chengdu Business Daily – Red Star News reporter

Ye Yan intern reporter

original title: basic medical insurance personnel of adult urban and rural residents will be covered by

from next year