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Unforeseen injuries, whether traffic accidents, accidents at work or other personal injuries, are inevitable in life, and many focus only on the reimbursement of medical expenses, while neglecting the core compensations of nursing and nutrition. Many end up finding themselves losing tens of thousands of dollars because they did not know the standard of compensation, did not have a valid basis, were pushed down by insurance companies and even refused to pay。
In fact, compensation for the cost of care and nutrition is not determined by the insurance company, nor is it estimated by personal perception. The state has clear legal provisions and uniform calculation criteria, while the three stages of assessment are the key core of the ability of ordinary people to receive full compensation and avoid recovery. Today, in the context of the latest and authoritative and verifiable policy criteria of 2026, the details of the cost of care, the rules of compensation for nutritional costs, the method of calculation, the three editions of the validation exercise are given out once and for all。
I. Understanding: hennan 2026 update compensation compensation for costs, supplements
In order to obtain reasonable compensation, the first step must be to clarify the criteria for compensation and to avoid self-inclusion and omissions. All the following data are based on the interpretation by the supreme people's court of certain questions of the law applicable to the hearing of damages to persons (amended in 2022), the latest human life data published by the henan provincial bureau of statistics in 2026, the compilation of the actual judicial decisions of the henan courts, 100 per cent authentic and verifiable, and the direct application of calculations。
(i) care costs: 3 cases with clear criteria
The cost of care is the cost of taking care of the victim when he or she is injured and unable to take care of himself or herself, regardless of whether he or she is a family member or a professional nurse, who can claim compensation according to the law, calculated in three different circumstances, corresponding to different criteria:
1. Family care with a fixed income: calculated on the basis of actual loss of work by the family. The formula is: daily wage x days of nursing. For example, the monthly salary of the family is $6,000, the average daily wage is $200 and the cost of nursing is $18,000 for 90 days. Payment of compensation will be successful only if it is supported by the preparation of a salary flow, a certificate of workplace error and leave records。
2. Non-income/relative care for family members: the common 2026 henan standard is 108. 73 yuan/day, with a uniform reference to the equivalent level of labour remuneration for carers in henan province, and 150 yuan/day for non-official bills, with very high recognition by courts and insurance companies。
3. Request for professional caregiver care: on the basis of actual expenditure, direct reimbursement based on the carer's service contract, formal invoice, payment record and actual payment。
At the same time, two key details are identified: first, the number of people in care, which is determined by law in principle on the basis of one person's care, and only a clear opinion from a medical institution or a judicial expert confirming that two or more persons are at risk of injury, can be calculated on the basis of multiple persons; and second, the length of care, not just the number of days spent in hospital, where life is still unaffordable after discharge, and can claim the cost of care, which is based on medical advice or assessment。
(ii) nutritional costs: slotting by injury, henan standard clear
Nutrition is the reasonable cost of the victim's need for additional supplementary nutrition and accelerated rehabilitation as a result of the injury. The standard of compensation is divided according to the severity of the injury
1. Minor injury: abrasion, soft tissue contusion, non-permanent rest and recuperation, calculated at 20 yuan/day
2. Moderate damage: common fractures, joint contusions requiring one to three months ' rest, calculated at 30-40 yen/day
3. Severe damage: 50 yuan/day for brain damage, multiple fractures and longer post-operative recovery。
Core focus: the premise of the claim for nutrition is either that the hospital's medical records, the discharge records clearly indicate “enrichment” or that the duration of the nutrition period is clearly defined in the three stages of the assessment, without which insurance companies are likely to be under-compensating or even refusing to pay, which is the main reason why many people do not receive nutrition。
Ii. Compensation is the easiest way to step on a pit: on medical advice alone, compensation is reduced by at least thousands of dollars
Many felt that full compensation would be obtained if the doctor wrote in his medical file “x days of care for improved nutrition” at the time of discharge, and it was only when the compensation was actually settled that insurance companies recognized only the number of days of hospitalization and the total length of care and nutrition after discharge, resulting in a substantial reduction in the amount of compensation。
This gap can be seen in henan's 2026 case law: a citizen of hueji district, zhengzhou, who was hospitalized for 15 days as a result of a traffic accident, was ordered by the doctor to “take a two-month rest and take one month of care to improve nutrition”. At the time of settlement, the insurance company accepted only 15 days of hospitalization for care and nutrition, and no more than 30 days after discharge。
Based on the latest henan standards, the cost of care is calculated at $150 per day and the cost of nutrition at $40 per day:
Only 15 days approved by insurance companies: 2250 for nursing and 600 for nutrition, for a total of 2850
(a) forty-five days: $6,750 for nursing and $1,800 for nutrition, for a total of $8550
The difference between the two amounts to $5,700, equivalent to one month's salary for ordinary people。
Why is there such a gap? The central reason is that medical advice is only a preliminary recommendation of a medical institution, that insurance companies may object, and that there are differences in the formulations, lengths of the recommendations and legal effects of different doctors, which can easily be refuted or rejected by the other party. If, on the other hand, three certifications were made and a judicial opinion was issued, the result would be completely different, and the courts and insurance companies would have to give priority to the assessment, which is the “compensation standard”。
Key core: what is a three-phase assessment? Why is it the key to getting paid
(i) clarify first: what is the three-phase identification
Three stages of the assessment, all referred to as the period of work, care and nutrition of physical injury, are judicial bodies with legal qualifications, which, in accordance with uniform national standards, make a professional, objective and legally binding assessment of the time of inability to work after injury, the time of need of care and the time of need of supplementary nutrition, taking into account the specific injuries of the victim, and ultimately produce a judicial assessment opinion with a special chapter for judicial evaluation。
In short, it is to find a professional body to give an authoritative “official opinion”, specifying three core terms:
(a) care period: the total length of time the victim is unable to take care of himself or herself and in need of care from another person, and the total amount of compensation for care costs is determined directly
(a) nutrition period: the victim needs additional supplementary nutrition, accelerated rehabilitation for the full length of time and direct determination of the total amount of compensation for nutritional costs
(b) work-time: the total amount of compensation for the cost of the work-wreck is determined in tandem with the entire period during which the victim was unable to work normally as a result of the injury。
(ii) legal basis: the findings have absolute legal force
The three types of accreditation are not discretionary and are supported by clear legal and technical criteria, all valid in 2026:
1. Legal basis: article 1179 of the civil code of the people's republic of china makes it clear that, in the event of damage to the person caused to another person, compensation shall be paid for reasonable expenses such as nursing, nutrition, accident, etc.; articles 8 and 10 of the interpretation by the supreme people's court of certain questions of the law applicable to the consideration of compensation for damage to persons clearly stipulate that the period of care and nutrition shall be determined in the first instance on the basis of a judicial opinion and shall have the highest legal effect。
2. Technical criteria: the accreditation bodies strictly rely on the guidelines on assessment of the period of personal damage, the period of care and the nutritional period issued by the ministry of public security (ga/t 1193-2014) and have three distinct reference periods for all types of injuries, such as multiple broken ribs, 30-60 days for the period of care and 30-60 days for the period of nutrition, ensuring objective, impartial and uniform results。
(iii) core strengths: resolving all pain points and ensuring full compensation
Without a three-stage assessment, the resulting compensation gap is wide and the core advantages are in three areas:
1. The legal force is strongest and uncontroversial: the judicial opinion is the core legal basis for the consideration of cases by the courts and for the settlement of claims by insurance companies, and, once produced, the other party has no right to challenge them at will or to limit the duration of the proceedings, thereby completely avoiding the possibility of settling claims
2. Longer period of assessment and more compensation: the accreditation body, based on uniform criteria and in combination with a full assessment of the injury, will cover the full length of the period of hospitalization, post-hospital rehabilitation, a more comprehensive and longer period than is strictly medically determined, with maximum coverage of the actual loss of the victim
3. Broad scope of application and fit all scenarios: whether traffic accidents, accidents at work or personal injuries are involved in personal damages, the three types of assessment are applicable, whether they are negotiated in private or in the interests of litigation, and are the strongest evidence。
Iv. Guide to hands-on practice: how to proceed with the three editions of 2026? Processes, costs, due diligence
Many people want to do three tests without knowing where to do it, when to do it and how much it costs. They combine the local reality in henan with a complete exercise, so that ordinary people can do it and do nothing。
(i) optimal validation time: two key nodes secured
The three types of accreditation are not always available, and the time does not affect the results. The optimal time is two:
1. Stable, post-medical: in short, after the end of treatment, after discharge from hospital, the injury does not change and enters a period of stable rehabilitation, it is generally recommended that the application be made within one to three months after discharge, three months after the recommendation of a fracture, and that the early assessment of the injury is not stable, which results in a short assessment of the three periods and affects compensation
2. In the case of disability: if the injury constitutes disability, the disability assessment may be applied for simultaneously and three times, once completed, save time and expenses, and the maximum time for disability assessment is 3-6 months after discharge。
(ii) formal validation process: 4 steps complete and the process is transparent
1. Preparation materials: all materials, including identification cards, medical records, hospitalizations, discharges, diagnostic certificates, examination reports, surgical records, etc., are prepared in advance, all of which are to be stamped with hospital seals to ensure their authenticity
2. Selective bodies: priority is given to the selection of judicial bodies with forensic clinical qualifications to be registered by the judicial department of henan province, which can be handled by regular local authorities in zhengzhou, and the list of such institutions can be consulted through the network of judicial offices of henan province, avoiding the selection of non-qualified institutions or otherwise the results of such evaluations are invalid
3. Application for accreditation: if the claim is settled in private, it may be entrusted to an accreditation body; if the agreement fails to prepare the proceedings, it may be submitted to a court, which may appoint an accreditation body, in order to prevent the other party from accepting the results of the assessment entrusted to it
4. Receipt of the report: the accreditation body normally completes the assessment within 7-15 working days and issues an official " opinion of the judicial expert " , which specifies the period of care, nutritional period, number of days of delay, plus a special judicial certificate, with legal effect。
(iii) cost criteria and absorption: personal advance, ultimately borne by the counterparty
In henan, the criteria for the three stages of identification costs were harmonized for the year 2026. The cost of conducting the three stages alone was generally $800-1200 and the total cost for the simultaneous disability assessment was $1,500-2000. The rules governing the absorption of costs are clear: the applicant may advance the payment, which may eventually be legally claimed in full by the infringer, the insurance company, and the court will support the payment in accordance with the law, without having to bear the cost itself。
(iv) key care: avoid 4 common error zones
1. The material must be complete: all medical records, examination reports must be complete, and the absence of critical materials may render the assessment inadmissible or the evaluation period too short
2. Non-self-correction of medical records: medical records, medical certificates need to be kept in their original state, self-modification leads to invalidation of findings and even legal liability
3. Information of the injuries provided: information on the course of the injury, the treatment, the state of recovery of the body was provided to the expert during the evaluation and the concealment of information could affect the accuracy of the results
4. Safe custody of the report: the judicial opinion is evidence of the determination of a psychological claim, which must be kept in safe custody, the settlement of the claim, the submission of the original at the time of the proceedings and, for copies to be valid, the official seal of the accreditation body。
V. Place responsibility respects: 90% of the people have stepped on these settlements
In the light of the large number of claims resolved in henan in 2026, four high frequency error areas were summarized and avoided in advance to avoid damages:
1. Mistake i: care, nutrition and nutrition are considered to be paid only during hospitalization. (a) correction: if after being discharged, life is not self-sufficient and needs to be replenished, the full cost of the discharge can be claimed on medical advice or by means of a three-phase assessment, which often accounts for more than half of the total
2. Mistake ii: three identifications are considered too cumbersome to be necessary. (a) correction: the simpleness and low cost of the identification process compared to the compensation loss of several thousand yuan is the most costly means of securing the right to claim compensation, thus completely avoiding the risk of compensation
Mistake iii: the insurance company recognizes the amount claimed. Corrective: insurance companies have their own accounting criteria for the settlement of claims, which tends to reduce the duration and amount of compensation and, if they object to the amount of compensation to be paid, apply for a three-phase assessment and use it to defend their legitimate interests
4. Mistake iv: validation of claims before settlement. Correct: it is recommended that validation be prepared at an early stage, that the results of the validation be negotiated and that the consultation be successful at a higher rate and that the additional time and effort costs of defending rights be avoided。
Vi. Conclusion: to remember the clusion and complete complete compensation
Looking at the whole text, the core remembers three key points and can easily deal with personal damages:
First, clear criteria. Henan's 2026 nursing expenses are calculated on the basis of a nursing standard of 108. 73 yuan/day or 150 yuan/day, nutrition costs are calculated on the basis of a 20-50 yuan/day slotting, and income is calculated on the basis of actual lost work done, so that the amount of compensation payable can be calculated by direct application of the criteria
Secondly, authentication. (c) the limited legal effect of medical orders, which are recognized by the courts and insurance companies on the basis of three certifications, the maximum determination of the length of the period of care and nutrition, and the guarantee that a significant number of points will be compensated
Third, timely advocacy. The best possible time for identification, preparation of complete material, avoidance of faulty settlement, consultation cannot be legally defended, and all reasonable compensation can be obtained in accordance with the law。
Accidental injuries themselves have suffered both physical and economic losses, and should not be compensated for the loss for lack of understanding of policy, lack of evidence. It is recommended that this content be collected, that the relevant issues be kept under review and that it be forwarded to needy relatives and friends to avoid further loss。
Have you ever had a situation where compensation has been reduced and paid? Do you think there's any more details of the three tests? Messages are being shared in the comment area to learn more about human rights。
