Private long term care insurance – protection for your future

This plan provides ideal protection for every level of care required. The monthly benefit depends on the level of care or degree of care you need (Pflegegrad). It allows you to benefit from a government subsidy of 5 euros per month called 'Pflege-Bahr', named after the minister who introduced this scheme. There is no need for you to do anything – we take care of the paperwork and deduct the amount from your monthly payments.

PflegeAktiv key benefits: 

• fixed monthly cash benefit without the need to submit proof of actual expenses
• government-subsidised plan – you save up to 60 euros per year
• no medical underwriting (no questions about your health status and medical history)
• extremely attractive premiums for people who take out a policy early in life

This plan provides comprehensive protection should you need long term nursing care. It pays you a fixed monthly income based on the level of care you require – no matter where you receive care (hospital or as a day patient) and by whom (relative or professional nurse).

According to your needs you can choose between Pflege 2+3 (benefits paid from care level 3 = Pflegegrad 3) and Pflege 3 (benefits paid from care level 4 = Pflegegrad 4). It is possible to adjust your monthly benefit to the increasing cost of care under certain conditions. You can also switch from Pflege3 to Pflege2+3 at certain times.

PflegePlus key benefits:

• provides monthly cash benefit without the need to submit proof of actual expenses
• allows you to increase daily benefit or switch to another plan under certain conditions – no medical underwriting (no questions about your health status and medical history) 
• pays even when you are in hospital
• extremely attractive premiums for people who take out a policy early in life

PflegeExtra ideally complements both our care plans and provides valuable help when you need it most. One of our professional care managers will answer your questions 24/7. This additional service costs just 1 euro a month and provides prompt advice and assistance. Among the support services offered are finding and coordinating short term care solutions, helping with day-to-day tasks such as shopping and cleaning, and home care services.

If necessary, one of our care managers can also come to your home and discuss suitable support with you.

Good to know: This top-up plan is only available to you if you have taken out one of our care plans: PflegeAktiv or PflegePlus. 

PflegeXtra key benefits:

• telephone and personal counselling service – speak to qualified care managers
• competent help, for example with application for receiving care benefits
• help usually provided within 24 hours
• only 1 euro a month extra