When you take out supplementary care insurance, you can choose from three models:
- Care costs insurance
- Care Pension Plan
- Care daily allowance insurance
Find the best supplementary care insurance: That's how it works
Depending on what your individual living circumstances look like, you should choose from one of the above models.
Care costs insurance
The care cost insurance covers the benefits, which also bears the statutory long-term care insurance. It increases the benefits on a percentage basis. This makes it ideal for people who want to take advantage of a professional care service in case of care.
Care Pension Plan
The care-pension insurance is comparable to one pension Insurance, which is paid only in case of long-term care. When concluding, make sure that the assessment is recognized as a nursing care case by the medical service of the health insurance fund. Policies that require a patient's own examination are not recommended.
Care-day money insurance
The daily allowance insurance is the best solution among the supplementary care insurances, if home care is desired. It pays an agreed amount per day, which may depend on the level of care and the use of inpatient facilities. However, proof of the actual costs incurred is not necessary.
Conveniently conclude supplementary care insurance
Like a Health insurance The younger the policyholder is at graduation, the cheaper the monthly installments. Already from 10 € per month a state-subsidized supplementary care insurance can be taken out.
State funding is called "Pflege-Bahr" in this case and includes 5 € per month. This can pay off especially in a long Anspar phase. Make an insurance test with our care insurance comparison and find your long-term care insurance test winner among the providers. The Stiftung Warentest has also taken private care insurance tests. Numerous topic pages, analyzes, specials and tests can be found on the website of Stiftung Warentest.