Nursing Care Insurance: Are You Entitled to These Benefits

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Written By Kampretz Bianca

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Customer service for everyone in need

Mandatory insurance. Anyone who has legal or private health insurance is automatically insured by statutory nursing care insurance. Insured persons who have contributed to the nursing care fund as members for two years in the last ten years prior to submitting the claim or who have had family insurance are entitled to care benefits.

Service on request. To receive benefits, those who have legal health insurance must request assistance services from the health insurer; those who have private insurance should contact their health insurer. The prerequisite is always that someone needs support in everyday life for more than six months.

Assessment. Before long-term care insurance takes effect, experts must determine the need for care. For those who have legal health insurance, the health insurer’s medical service (MD) carries out the assessment; for those who have private insurance, the company Medicproof carries out the assessment;

Level of care. The care report determines whether and how much help a person needs and at what level of care from 1 to 5 someone is classified. The higher the level of assistance, previously called level of assistance, the greater the approved benefits.

Tip: In our Care set The healthcare experts at Stiftung Warentest explain how you can organize care. The special publication offers assistance in handling formalities; With the included checklists and forms, you can secure important government assistance.

Contribution rate. Since July 1, 2023, the contribution to nursing care insurance for those without children is 4.0 percent of their gross income; If you have several children under the age of 25, your contribution drops to up to 2.4 percent (see contribution rate table below). Those with private insurance pay an individually determined contribution, limited by a legal maximum.

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