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

  • Home care
  • Nursing allowance
  • Day-patient care
  • In-patient care
  • Short-term nursing
  • Financial relief for relatives
  • Prevention care
  • Nursing aids
  • Housing reconstruction measures
  • Housing groups

To receive Long-Term Care benefits in general, the insured person must have paid into a statutory or private plan for at least 2 full years within the last 10 years, hence there is a 2-year deferred period one needs to bear in mind. Yet once latter is overcome, it is possible to leave Germany, return with 7 years and 11 months and claim for benefits.

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 substitutive to German statutory (public) health insurance, usually when switching from short-term to long-term residence status, proof of both adequate medical and mandatory long-term care insurance becomes inevitable. Failing to obtain both, will not only have a negative effect on the authority’s decision to issue a long-term residence permit, or even an extension, but will also have an impact on subsequent applications with German health insurers, either monetary or in form of acceptance.

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€