Financial security in case of need for care
Secure your future with nextsure's supplementary care insurance. Individual protection against high care costs and financial relief for you and your family. Find out more now!
Lifelong care pension
Flexible Tariff Selection
State funding possible
Why supplemental care insurance is indispensable
Covering the Supply Gap
Preservation of Quality of Life
Financial Independence
Relief for Relatives
The rising cost of care: An underestimated financial burden
The costs for care services in Germany are continuously rising and often far exceed the benefits of statutory long-term care insurance. A place in a care home can cost several thousand euros per month, with a significant personal contribution having to be borne. Home care provided by professional services is also costly. Without private provision, this can quickly become a significant burden for those affected and their families, depleting savings and even necessitating the sale of property. Early consideration of the costs of care and protection through additional long-term care insurance provides financial security and preserves your economic independence in the event of needing care. Stay informed about the current care cost rates and the coverage gap of statutory long-term care insurance to realistically assess your personal provision needs. nextsure helps you find the right solution.
Tailored Protection
Your Benefits with Our Supplementary Care Insurance
Financial Freedom
Secure your wealth and independence in case of needing care.
Customised Rates
Tailored solutions for your personal needs and budget.
Lifetime Protection
Reliable coverage for a lifetime, worldwide or within the EU.
State Subsidies
Benefit from the Pflege-Bahr subsidy.
Quick Help
Unbureaucratic support and quick payment of benefits in case of emergency.
Expert Consultation
Our consultants support you in selecting the optimal tariff.
Flexibility
Customisable services and options for your changing life circumstances.
Relief for Relatives
Protect your family from high financial burdens.
Digital Service
Easily manage your contract online.
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Benefits of supplementary care insurance: What is covered?
The benefits of a supplementary care insurance policy vary depending on the plan and provider, but they are generally aimed at closing the financial gap not covered by statutory care insurance. Core benefits typically include a monthly care allowance, the amount of which depends on the agreed plan and the assessed level of care required. This money is at your disposal and can be used for nursing home costs, outpatient care services, as well as alternative forms of care or necessary modifications. Many plans also offer additional assistance services such as advice, placement of care services, or support in organising daily care. When choosing a plan, pay attention to details such as options for adjusting to rising costs, worldwide coverage, or reimbursement for aids. nextsure offers transparent plan overviews to help identify the optimal benefits for you.
Understanding Care Levels: The Basis for Your Insurance Benefits
Since the care reform in 2017, there have been five care levels in Germany (PG 1 to PG 5), which define a person's degree of independence and thus the extent of the care support required. The assessment is carried out by the Medical Service of the Health Insurance (MDK) or other assessors using a standardised assessment procedure (New Assessment Assessment, NBA). Mobility, cognitive and communication skills, behaviours and psychological problems, self-care, ability to cope with and independently manage disease- or therapy-related demands, and the organisation of daily life are evaluated. The amount of benefits from your supplementary long-term care insurance is directly linked to the determined care level. The higher the care level, the higher the monthly benefit typically is. It is important to understand the criteria of the care levels to be optimally prepared in the event of entitlement.
Take advantage of government support: The Pflege-Bahr insurance
With the so-called "Pflege-Bahr" insurance, the state supports taking out private supplementary long-term care insurance. If you conclude an eligible contract and pay a minimum monthly contribution of 10 euros yourself, you will receive a state subsidy of 5 euros per month, meaning 60 euros per year. Pflege-Bahr contracts are subject to certain legal requirements: there is no health check, only a waiting period. Additionally, the benefits are often staggered in the initial years after concluding the contract. The scope of benefits with Pflege-Bahr tariffs is usually lower than with unsubsidised tariffs, particularly in lower care levels. Nevertheless, Pflege-Bahr can be a sensible option, especially for individuals who have difficulty taking out a regular supplementary care insurance due to pre-existing conditions or as an entry into private long-term care provision. nextsure is happy to advise you on whether a Pflege-Bahr tariff or an unsubsidised policy better suits your needs.
Costs of a supplementary long-term care insurance: Factors and examples
The cost of supplementary nursing care insurance depends on several factors. The age of entry plays a crucial role: the younger you are when you take it out, the lower the monthly premiums usually are. Your state of health at the time of signing the contract also affects the premium, as most tariffs involve health questions (exception: Pflege-Bahr). Furthermore, the desired level of benefit (e.g. amount of monthly care allowance) and the scope of benefits (e.g. benefits starting from care level 1, dynamic options) determine the premium. A tariff that provides, for example, €1,500 monthly care allowance from care level 3, will be more expensive than a tariff with €500 allowance. It is advisable to compare different offers and conduct an individual needs analysis. nextsure offers you transparent comparison calculators and personal advice to find a tariff that optimally considers your budget and pension goals.
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Finding the Right Tariff: Important Selection Criteria
Selecting the right supplementary care insurance requires careful consideration of various criteria to ensure optimal coverage in case of need. First, pay attention to the amount of insured benefits: the daily care allowance or monthly care pension should be sufficiently high to cover the actual cost gaps. Check from which level of care benefits are provided and how these are tiered across different levels of care. Waiting periods are also important – that is, the period after the contract is concluded during which no benefits can yet be claimed – as well as the conditions of the health check. A contribution dynamic that regularly adjusts your benefits to inflation is advisable to maintain the value of your coverage in the long term. Also clarify whether the insurance coverage applies worldwide and which assistance services (e.g. advice, care organization) are included in the plan. nextsure supports you with detailed tariff comparisons and expert advice in your selection.
Waiting Times and Health Check: What You Need to Consider
When taking out supplementary long-term care insurance, two aspects are particularly relevant: the waiting periods and the medical examination. The standard waiting period is usually three years from the start of the contract before benefits can be claimed in full in the event of needing care. In the case of care due to an accident, this waiting period is waived in many tariffs. Some providers also have tariffs with shorter or no waiting periods, which are often more expensive. The medical examination is standard with most high-benefit tariffs (exception: Pflege-Bahr). Here, you must truthfully answer questions about your current state of health and any pre-existing conditions. Incorrect or incomplete statements may lead to the loss of insurance coverage. Therefore, be absolutely honest and careful with the health questions. Individuals with significant pre-existing conditions may only have the option to take out a Pflege-Bahr tariff or special tariffs with a simplified medical examination.
Dynamics and Contribution Adjustment: Long-term Planning Security
To maintain the value of your supplementary long-term care insurance over time and counteract inflation and rising care costs, dynamic options are an important aspect. Benefit dynamics ensure that your insured care allowance or care pension increases at regular intervals, usually without the need for another health assessment. This ensures that your coverage continues to provide relevant financial support even years down the line. In parallel, there is contribution dynamics, where your premium also increases accordingly. Often, you have the right to object to these adjustments. Please note that even without agreed dynamics, the insurer can adjust contributions if, for example, general care costs or life expectancy change significantly. Transparent communication from the insurer about such adjustments is crucial. nextsure provides comprehensive information on the dynamic and adjustment options of the various tariffs.
When is the best time to close the deal?
The issue of obtaining services abroad is significant for many policyholders, whether for an extended stay abroad in retirement or permanent care in another country. The conditions for this vary greatly between the policies of supplementary long-term care insurance. Some policies provide worldwide coverage, while others limit benefits to European Union (EU) countries or the European Economic Area (EEA). Still, others may have benefit reductions or specific prerequisites for care abroad. It is essential to carefully examine the insurance conditions in this regard if care outside Germany is an option for you. Determine whether the full care allowance is paid or if there are any restrictions and what evidence of care dependency abroad is required. At nextsure, you can filter and compare plans based on their suitability for overseas care.
