Care insurance for precaution: there are these possibilities

Long-term care insurance for private provision in old age

A useful part of the pension plan

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Private retirement provision is becoming increasingly important. In doing so, she has become more diverse today than ever before. On important component of old-age provision is the care insurance. Although many services are already covered by the statutory long-term care insurance, they are usually not sufficiently secured. A more or less big one care gap remains. If you want to close this gap, you can extend the legal protection to private supplementary care insurance.

Identical benefits for private and statutory insured

In long-term care insurance, private and statutory insured persons receive the same benefits. That’s because it’s one binding statutory catalog of benefits which applies equally to all providers. From a performance point of view, it does not matter whether you are a member of a statutory long-term care fund or a private insurance company. That may seem a bit strange at first glance. After all, there is a strict separation between private and statutory health insurance in health insurance. In the area of ​​care, however, both the long-term care funds and the private long-term care insurers are part of the statutory long-term care insurance. In the case of private providers one speaks accordingly of the private long-term care insurance, which is identical to the statutory long-term care insurance.

Your health insurance is your care fund

Long-term care insurance is closely linked to health insurance. If you are a member of a statutory health insurance, this will automatically take over your long-term care insurance. It also serves as your long-term care fund. Therefore one speaks in the case of the social care insurance, because it is part of the social security system. However, if you have private health insurance, the case is slightly different. Here, too, it is true that privately insured persons are automatically assigned to private long-term care insurance. But you are free to choose the private provider. It does not necessarily have to be the insurance company with which you are also insured.

Legal contribution or indiv >

Care Strengthening laws

In the past years have been several reforms implemented to ensure better health care in the future. Since 2017, all three parts of the Nursing Act have been effective.

Since social care insurance is part of the German social security system, generally valid contributions are also charged here. Of the contribution rate in the social care insurance is since 2017 2.55 percent or with a childless supplement 2.8 percent. In the private long-term care insurance, however, the contribution is not uniform. It depends on the care policy you take.

Statutory benefits graded according to the degree of care

Regardless of whether you are privately or legally insured: The benefits of the long-term care insurance are graduated according to the level of care (up to 2016 care levels). Only if you are assigned one of the nursing degrees, you will receive care services. The higher the level of care, the higher the benefits. How exactly these turn out depends on your needs. Long-term care funds pay about one care allowance, with which you can pay relatives who take care of you. Beyond that Care benefits in kind reimbursed for care by a nurse. But also for the Partial or full-time accommodation in the nursing home, the insurance comes on. In addition, insured persons receive benefits for care aids and measures that improve the living environment.

Determine the extent of the need for care

How a person needs care depends on many factors. Medical reviewers Check whether the person in need of care is mobile and, for example, can take care of themselves. His communicative abilities and mental state are also assessed. From these factors results for the medical reviewers Overall picture of the care requirement. From this, the individual care level is derived. And the higher the level of care, the higher the care allowance and benefits in kind are.

A financial care gap remains

Care is expensive. Usually so expensive that the benefits of the statutory long-term care insurance are insufficient to cover the total costs. Regardless of the level of care you receive, part of the cost is not covered by statutory benefits. This also applies to the highest level of care. Because high payments are made here, but at the same time there is a higher – and therefore more expensive – care needs. A care gap exists in the statutory long-term care insurance so always, and thus in the private long-term care insurance.

Protect savings with private care additive

In order to avoid having to close this care gap with your own savings in case of emergency, you can take out private long-term care insurance at an early stage. At best, you cover the outstanding costs with such insurance. The combined benefits from statutory long-term care insurance and private provision then usually allow one full funding of care.

tip: Private insured who want to take out supplementary care insurance can also take theirs here Select provider freely. Just because you have your long-term care insurance with an insurer does not mean that you have to complete the additional protection with this provider. So you always have the freedom to choose the rates that offer the best value for money.

Nursing supplements are available in three variants:

Nursing care insurance: With this insurance, you receive a daily allowance in the care case, which you can freely use according to your wishes, e.g. to pay relatives who take care of you.

Nursing cost insurance: As the name suggests, can be secured with such insurance actually incurred care costs. Prerequisite: You have an invoice.

Nursing care insurance: In the case of long-term care, the insurer pays this pension – even if the need for long-term care should only be temporary.

Combine legal and private services

Whether you are insured in the private long-term care insurance or a statutory long-term care insurance – the benefits you receive, never cover the full care costs. So that you do not have to close the care gap with your savings in an emergency, it helps, to additionally provide for in the professional life. Thus, the high care costs can be spread over a long period of time to many smaller insurance premiums. And the care gap does not become a financial problem.

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Christina Cherry
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