German Private Health Insurance

Long-Term-Care Insurance

Mandatory Long-Term-Care insurance - German:Pflegepflichtversicherung - is an independent part of every German health plan, and sits besides medical insurance. The intention of the German government in 1995 was to introduce an insurance, compulsory to all German long-term residents, that will provide financial provision in the event that nursing becomes necessary.

Implemented in the Social Security Book XI, the scope of cover is clearly defined for both the statutory (public) and private insurers to comply with and nned of care is based on a 5-level care system, of which the benefits overall comprise of

  • Home care
  • Nursing allowance
  • Daypatient care
  • InpatientcCare
  • Short-term nursing
  • Finanicial Relief for relatives
  • Prevention care
  • Nursing aids
  • Housing reconstruction measures
  • Housing groups

Situation for Expats

Residing in Germany on a provisional permit (VISA), the Residence Act exempts those from the obligation to insure themselves against Long-Term-Care events for the first 60 months of their stay. However, when an individual is eventually prompted by the authorities to provide health insurance subsitutive to German statutory (public) health insurance, proof of both adequate medical and long-term-care insurance is inevitable.

Pricing examples of a German private insurer

Age Monthly Premiums
0 - 18 24.54€
20 25.12€
30 32.08€
40 42.27€
50 58.46€
60 86.41€
70 140.82€