What matters
- Daily care allowance (Pflegetagegeld)You receive a fixed amount and decide how to use it.
- Taking out cover earlyPremiums rise with age, and pre-existing conditions make acceptance more difficult.
- Care gradesBenefits should be appropriate for all care grades.
Who is this suitable for?
For anyone from middle age onwards and for family members who want to plan ahead.



Private retirement provision
Funeral expenses insurance
Supplementary health insurance