Secure government-subsidised care provision
Pflege-Bahr: Your government-subsidised supplementary long-term care insurance for financial security in the event of needing care. Secure state allowances now and ease the burden on your relatives with nextsure.
Secure government allowance
Without medical underwriting
Lifelong care pension
Pflege-Bahr: The state-supported supplementary long-term care insurance in detail
State subsidy of 60 euros annually
Coverage possible without health questions
Minimum benefits for all levels of care
Contribution for insured persons aged 18 and over
Requirements and entitlement: Who benefits from Pflege-Bahr?
The Pflege-Bahr is generally available to anyone who has reached the age of 18 and is insured in the German social care insurance (SPV) or a private mandatory care insurance (PPV), and is not yet receiving care benefits. A decisive advantage is the guaranteed access: insurers are not allowed to conduct health checks, impose risk surcharges, or set benefit exclusions due to pre-existing conditions. This makes the Pflege-Bahr particularly attractive for people with health impairments. To receive the government subsidy of 60 euros per year, a monthly personal contribution of at least 10 euros is required. At nextsure, we guide you through the simple digital application process to optimise your Pflege-Bahr insurance.
Your Benefits
Pflege-Bahr: Ensure Secure Provision
Secure the allowance
Annual state subsidy of 60 euros secured.
Without examination
Conclusion guaranteed possible without health questions.
Lifelong
Guaranteed monthly benefits in the event of long-term care.
Flexibel
Customisable to your personal needs.
For Everyone
Access for anyone aged 18 or over.
Relief
Financial security for you and your family.
Digital Online
Easily and conveniently complete online with nextsure.
Clarity
Transparent conditions and clear tariff details.
Excellent advice
Our experts provide you with comprehensive support.
Government support for your future
Nursing Bahr now
Calculate contribution!
Benefits of Pflege-Bahr: What is covered in the event of needing care?
The benefits of Pflege-Bahr are clearly defined by law to ensure a reliable basic coverage in case of needing care. In the highest care level (care level 5), the monthly benefit must be at least 600 euros. For care levels 1 to 4, the benefits are staggered as a percentage and may vary depending on the plan and provider, but must not fall below specified minimum limits; often, benefits in care level 1 are not provided or are only very low. Typically, there is a general waiting period of five years before benefits can be claimed for the first time; in the case of care needs due to accidents, this waiting period is usually waived. The payout is made as unrestricted monthly care money. nextsure offers transparent plans that meet these legal requirements.
Pflege-Bahr vs. Private Care Supplement Insurance: A Critical Comparison
The Pflege-Bahr offers a low-threshold entry into long-term care insurance with government subsidies and the waiver of health checks. It is ideal for people who find it difficult to access traditional policies due to pre-existing conditions or are looking for basic protection. In contrast, private supplementary long-term care insurance without government support often allows for higher and more flexible benefits, but usually requires a health examination and can be more expensive. While Pflege-Bahr guarantees statutory minimum benefits, private tariffs can be tailored more individually to fill care gaps and meet desired care standards, such as higher rates for outpatient or inpatient care or additional assistance services. A combination of both models can be sensible for comprehensive protection; nextsure will advise you on optimal strategies.
State funding: How to secure the allowances for Pflege-Bahr
The state subsidy for the Pflege-Bahr is 5 euros per month, or 60 euros per year. The requirement for receiving this subsidy is a minimum personal contribution by the insured of at least 10 euros per month. Application for the subsidy is usually straightforward through the insurance company. As the policyholder, you simply need to agree that the insurer can apply for the subsidy on your behalf. The insurance company forwards the necessary data to the central allowance office, and the subsidy is directly credited to your contract, reducing your effective contribution. nextsure supports you with all the formalities to ensure the state funding for your Pflege-Bahr contract.
Important Aspects in Choosing Your Pflege-Bahr Tariff
When selecting a Pflege-Bahr tariff, you should examine not only the price but also the exact details of benefits and contract conditions. Pay attention to the amount of monthly care benefits in each care level, especially in the lower levels. Compare the waiting periods - the general waiting period must not exceed five years. Check whether and how benefits for care needs are provided abroad and whether there are options for premium exemption during financial difficulties. Some tariffs may offer benefits beyond the minimum legal requirements or more flexible adjustment options. The service quality and accessibility of the provider, as ensured by nextsure, are also important criteria for your decision.
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The Importance of Care Provision in Germany: Facts and Figures
Considering demographic changes and increasing life expectancy, the number of people requiring care in Germany is steadily rising. The statutory long-term care insurance often only covers part of the actual care costs, especially for residential accommodation or intensive care. This care gap can quickly amount to several thousand euros per month and lead to significant financial strain for those affected and their families. Therefore, early private care provision, such as Pflege-Bahr, is essential to ensure financial independence in old age and protect one's quality of life as well as that of relatives. nextsure helps you close this gap with tailored digital insurance solutions.
Combination of Pflege-Bahr with additional preventive measures
The Pflege-Bahr provides solid basic coverage, but it often cannot fully cover the potentially high costs of care. For comprehensive protection, it is advisable to combine the Pflege-Bahr with additional private long-term care insurance policies. These can offer higher daily rates, additional assistance services, or more flexible benefit design. An occupational disability insurance or a term life insurance can also be sensible additions as part of a holistic precautionary strategy to cushion income losses and financial burdens for the family. nextsure is happy to advise you on how to optimally integrate the Pflege-Bahr into your existing care plan and find tailored solutions.
Termination and Change: What You Need to Consider for Pflege-Bahr
A Pflege-Bahr contract can generally be terminated with a notice period of three months at the end of the insurance year. However, when terminating, the contributions paid up to that point and the received state subsidies are lost, as no surrender values are formed. A change to another provider is possible, but with a new contract, the waiting period of up to five years begins again. Additionally, the premium at the new provider may be higher due to the increased entry age. Before considering a termination or switch, you should carefully weigh the pros and cons and check if an adjustment to the existing contract or an addition with another component is more sensible. nextsure offers transparent advice on your options.
What exactly is Pflege-Bahr?
Long-term care insurance in Germany faces challenges such as demographic change and rising costs. Digital solutions and innovative approaches are becoming increasingly important. As an Insurtech, nextsure relies on fully digitised processes, from information and policy completion to contract management of the Pflege-Bahr. Future developments could include personalised tariffs, telemedical support services, and increased networking of care services. The Pflege-Bahr is expected to remain an important component of state-sponsored care provision. With nextsure, you are digitally and competently prepared for the future of long-term care insurance, benefiting from user-friendly and efficient insurance solutions.
