Good care costs more than many people expect. Statutory long-term care insurance covers part of the cost, but the remaining care gap (Pflegelücke) can be considerable. Supplementary care insurance (Pflegezusatzversicherung) is a targeted way to close this gap and be financially covered if you need care.
When a claim arises, supplementary care insurance pays a monthly sum that you can spend freely: on residential care, outpatient care at home, conversion work in your flat or relief for relatives who provide care. Unlike benefit-in-kind models, supplementary care insurance gives you the freedom to organise care as you wish.
Particularly important: supplementary care insurance applies to all recognised care levels (Pflegegrade), from care level 1 to 5. Depending on the tariff, the monthly benefit rises with the care level. So benefits are paid even for mild care needs, and do not wait for the most severe cases.
The timing of the policy is decisive: if you join young and healthy, you pay clearly lower premiums than someone who plans ahead only at an older age. There are also no health questions or risk surcharges that could raise the premium. Early provision is especially valuable in care insurance.
We calculate your personal care gap with you and recommend the supplementary care insurance that gives long-term security for you and your family.
Supplementary care insurance benefits
PflegetagegeldBest: daily care allowance, lifelong cover in all care levels, free use of the money. Assistance services: arranging outpatient care services, individual care advice, help finding a care place.
The younger you are at the start, the lower the monthly cost. Asset protection: private care insurance spares you from own contributions. Statutory care covers only part of the costs, and supplementary insurance closes the gaps.
Online application up to age 60, personal advice after that. Tax deductible as a provision expense.
