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Personal Care at Home Bill

Will the hon. Gentleman concede that given that the average cost of care home fees is about £26,000 a year and that most people who go into care homes spend a little over two years there, his proposals for insuring against care home fees would effectively mean that for every one person who benefited, at least another seven would have invested in an insurance policy and got no benefit? The policy will require him to set the cost of care homes, set the quality and standards of them even more rigorously, and set eligibility criteria for those who go into care homes.