These are the policies that guard against the risk of long-term care, a premium to be paid is determined by sex and age of the potential member, and insurance coverage after acceptance by the Company of the health conditions identified by the medical health questionnaire.
Policies are born as a response to the progressive aging of the population, increase the average life expectancy of patients with chronic and disabling, the reduction potential of informal care by families and the progressive evolution of the hospital system to care in the acute phases of the disease and on diagnostic and therapeutic interventions are highly complex.
It is not self-sufficient when you are not able to make three (six) of elementary acts of daily life.
Eat
Continence
Dress
Getting Around (get out of bed or chair, coricarsi e sedersi in autonomia)
Bathing or showering
Personal hygiene (ability to shave, comb)
Upon recognition of the long-term care, which is manifested by senescence, illness or injury you are entitled to provide guaranteed delivery of which can be either:
· Monetary (that is done with the payment of a sum of money)
Service · (understood as direct assistance at centers affiliated with the insurance company)
From the fiscal point of view with the Leg. 47/2000 and later, has been called the deductibility of the premium paid at a rate of 19% up to a maximum of €. 1.291,14 (in the form lifetime).
Alex Gaetani
To learn more about the delicate issue of self-sufficiency, I recommend reading the following books: