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Long-term care insurance

Statutory long-term care insurance covers only part of the costs. You or your family must pay the rest. Private supplementary long-term care insurance (Pflegezusatzversicherung) closes this gap.

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.