NURSING CARE

An estimated one in four people require nursing care at some point during their lives. There is compulsory state nursing care insurance in place in Germany (Pflegepflichtversicherung), which is coupled to your health insurance. This compulsory insurance guarantees to cover some of the costs that incur, but there are some extras and costs that are left to you to cover.

 

When choosing the right nursing care add-on insurance there is a lot to think about. Our partner has put together information below to help guide you. In general one can say that the right choice depends on the current situation, health, budget well as on future plans and needs. 

 

Contact us today and we will gladly put you in touch to receive qualified, independent, non-obligatory free consultation. 

GENERAL INFORMATION

There is compulsory state nursing care insurance in place in Germany (Pflegepflichtversicherung), which is coupled to your health insurance and costs 2.55% (2.8% for childless people) of your salary in premiums.

This compulsory insurance guarantees to cover some of the costs that incur, but nowhere near the total costs, leaving you to cover the rest.

 

 

The real cost of nursing care in Germany

 

The average cost for a place in a nursing home lies at well over €3000/month but the maximum you will receive is €2005. Should you not be able to pay the difference, first your savings and then your assets (shares, property, etc.) will be seized to cover the remaining amount. As with everything in Germany, if you have no available money or assets you do not need to worry as the state will look after you. However, you have to be careful because should you not be able to pay, your children will be obliged by law to pay for you. Also, if the state pays for you, you no longer have freedom of choice regarding your care and where you are homed.

The system on which the nursing care is based was revised and re-structured at the start of 2017. There are now five different degrees of disability (Pflegegrade 1-5) with 5 being the highest. Payments are made based on the level of disability and whether you are in a nursing home or receive care at home and will only pay out in full on provision of proof (in form of receipts) of the costs and that the care was administered by fully qualified staff.

Should, for example, your partner care for you, the insurance pays at a reduced rate. The degree of disability is determined by a points system which rates different aspects of life. Mobility is worth 10%, communication ability 15%, self-sufficiency 40%, medication and treatment 20% and coping with everyday life 15%. The resulting points are then applied with disability ratings starting at 12.5 points and the highest degree beginning at 90 points.

Supplementary nursing care insurance covers the difference between what you receive from the state and the actual costs you incur. In relation to the amount of financial cover, the premiums are inexpensive. The younger you are,  the lower the premium. You can only insure yourself privately if you are in good health.

SUPPLEMENTARY HEALTH INSURANCE
ACCIDENT 
INSURANCE
LIFE
INSURANCE
OCCUPATIONAL
DISABILITY
HEALTH
INSURANCE
OTHER
INSURANCES

Get the right consultation before choosing your nursing care!

Being well advised is the first step before moving forward to get the right insurance cover! We believe it is essential to receive a thorough consultation in order to make an informative decision. 

 

Contact us today and we will gladly put you in touch to receive qualified, independent, non-obligatory free consultation. 

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