What does nursing insurance mean?

Old people are more likely to get sick because of their poor physical resistance. At present, the cost of treatment is more and more expensive, especially hospitalization. In order to reduce your financial pressure, it is necessary to choose a nursing insurance suitable for the elderly in time.

What is the significance of nursing insurance in health insurance?

Nursing insurance refers to the insurance that provides compensation for the cost of nursing services for the insured who needs long-term care due to old age, illness or disability. Insurance that pays insurance money on the condition that nursing needs are caused by the disorder of daily living ability agreed in the insurance contract, and provides protection for the nursing expenses of the insured. This is a kind of health insurance. Compared with other insurance products, nursing insurance focuses on providing long-term care protection.

The role of nursing insurance

1. Nursing insurance is generally guaranteed by premium exemption. During the payment period, once the insured determines that "long-term care" is needed, the insurance company will waive the insurance premiums for subsequent periods. In addition, long-term care insurance policies are guaranteed to be renewed, and some even guarantee lifelong renewal. When the policy is renewed, the insurance company shall not raise the personal insurance premium rate.

2. The premium of nursing insurance is usually flat, and it is also increased regularly every year or every period. The premium paid each year varies greatly due to conditions such as age, waiting period and amount of insurance. Generally, there is a premium exemption guarantee, that is, the insurer is exempted from paying the premium 60 days, 90 days or 180 days after the insurer begins to perform the insurance payment responsibility.

3. It can provide good economic support and guarantee for the elderly and the post-illness care.

To choose a nursing insurance suitable for the elderly, we must choose a suitable insurance platform. It is an e-commerce platform that provides professional nursing insurance. Welcome to compare and buy.

The contents of China PICC's "health and worry-free" comprehensive anti-cancer protection plan;

* The amount of cancer insurance premium will increase by 5% every year * Long-term care insurance premium will show more humanistic care * Health maintenance insurance premium-you can also enjoy the minimum monthly fee 12 1 yuan.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.