Nursing home: 4,000 EUR per month.
Statutory care insurance covers half
The care gap is often over 2,000 EUR per month. Without private provisions, you pay first — then your children. Act now.
Care Needs — Being Financially Prepared
Types of Private Long-Term Care Provision
Daily Care Allowance
Daily payment in the event of a care need — freely usable for care services, a nursing home, or family members.
Care Pension
Lifelong monthly pension in the event of a care need — like disability insurance for old age.
Care Cost Insurance
Reimbursement of actual care costs minus the statutory health insurance benefit.
Pflege-Bahr
State-subsidized daily care allowance plan with a €5/month government bonus — no health check required.
Outpatient Care
Coverage for home-based care provided by family members or a professional care service.
Inpatient Care
Protection against the high costs of care in a nursing home.
Who should plan ahead?
Everyone aged 40 and above
The earlier you start, the lower the premiums. From age 40, long-term care planning should be on the agenda.
Property owners
Protect your home from having to be used to cover care costs.
Parents of adult children
Avoid burdening your children with parental maintenance obligations.
Single individuals
Without a partner to take on caregiving, professional care services are especially important.
Coverage Overview
Versichert
Nicht versichert
How to close your care gap
Calculate your care gap
What does statutory care cover? What does care cost in your region? We run the numbers for you.
Choose your coverage type
Daily care allowance, care annuity, or care cost reimbursement? Each option has its advantages and disadvantages.
Compare tariffs
Independent comparison of the best supplemental long-term care insurance plans on the market.
Start your coverage
Taking out a policy early secures favorable premiums and avoids health assessment complications.
Frequently Asked Questions About Long-Term Care Insurance
Request Consultation
Free and non-binding — your personal insurance comparison.
Close Your Care Gap Now
Let us calculate your individual care gap together and find the right coverage for you.