Insurance Benefit

LTCI Need Assessment Procedures

People can be eligible for the LTCI benefit if they have suffered with geriatric diseases

  • Application to
    the eligibility assessment
  • The LTCI Need Assessment
    Committee decided
    the grade of applicant’s need
  • A written notice is given to
    the selected beneficiary
  • Benefit contract signing

LTCI Benefit grade

LTCI Benefit grade table
Grade Conditions Score
Ranking 1 A person who is completely dependent on the help of another person to go about daily life score ≥ 95
Ranking 2 A person who is mostly dependent on the help of another person  to go about daily life   75 ≤ score < 95
Ranking 3 A person who is in partial need of the help of another person to go about daily life 60 ≤ score < 75
Ranking 4 A person with mental and physical disabilities and who is in partial need 51 ≤ score < 60
Ranking 5 A person with dementia 45 ≤ score < 51
Cognitive support ranking A person with dementia Below 45

Types of Benefits

  1. 1.
    Home-based benefits
    • Home visit care: support beneficiaries’ daily activities and household chores, by visiting home
    • Home visit bathing: help beneficiaries to bath using equipment
    • Home visit nursing: A nurse or an assistant nurse visit home and provide care and consultation with the doctor’s instruction
    • Day and night care: provide institutional care service by the hour in a day
    • Short-term respite care: provide LTCI facility care services up to 9 days a month
    • Others(Equipment service)
  2. 2.
    Institution-based benefits
    • LTCI Facilities : provide beneficiaries who have stayed in LTCI facilities for a long time with education or training for supporting their daily activities
    • Community-based LTCI home : provide home-like atmosphere
  3. 3.
    Special benefit in cash
    • When beneficiaries need to get care from his or her family members with several reasons, NHIS provides family members with cash in return for the service