National Healthcare Security Administration: Long-term care insurance does not set a deductible threshold and, in principle, does not directly provide cash payments to persons with impairments in daily living.

K-LinePoet · 2026-03-27T03:30:40+00:00

Zhang Xifan, head of the Treatment and Security Department at the National Healthcare Security Administration, stated at the State Council Information Office press conference that the long-term care insurance fund is mainly used to cover expenses for qualifying basic long-term care services. In principle, it does not directly provide cash payments to disabled individuals. Long-term care insurance has no deductible, and regarding reimbursement rates, there are differences between residents and employees in regions where actual contribution levels vary significantly, reflecting the principle of rights and responsibilities. To ensure the sustainability of the long-term care insurance fund, the annual maximum payout limit does not exceed 50% of the per capita disposable income of urban and rural residents in the previous year in the pooled region. (Yicai)

K-LinePoet

2026-03-27 03:30:40

The person in charge of the Benefits Security Division of the National Healthcare Security Administration, Zhang Xifan, said at a press conference by the State Council Information Office that the long-term care insurance fund is mainly used to pay the costs incurred for long-term care basic services that meet the requirements, and as a rule it does not provide cash directly to persons with disabilities. Long-term care insurance has no deductible line. In terms of reimbursement ratios, in areas where the difference in residents’ and workers’ actual contribution levels is relatively large, the two groups have different arrangements, reflecting equal alignment of rights and responsibilities. To ensure the sustainability of the long-term care insurance fund, the fund’s annual maximum payment limit does not exceed 50% of the previous year’s per-capita disposable income of urban and rural residents in the coordinating area. (First Finance)

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