Objective: This study aimed to clarify the boundaries between long-term care insurance (LTCI) and basic medical insurance (BMI) benefits policies, and explore the necessity and possibility of policy coherence between LTCI and BMI benefits in integrated medical and elderly care institutions. Methods: Relevant literature was retrieved and analyzed, and typical integrated medical and elderly care institutions were investigated to analyze the problems arising from the connection between their LTCI and BMI benefits policies, taking Jinjiang City as the object of study. Conclusionsand Suggestions: This study found that "nurse-free" ward service, through a payment model shared by the government (finance), medical insurance, and patients, offers new possibilities for compensating basic daily care services in integrated medical and elderly care institutions in practice. It is suggested that healthcare security departments could pilot providing medical nursing service packages for residents whose general outpatient reimbursement exceeds the cap under basic medical insurance for urban and rural residents, thereby alleviating the economic burden on the insured.