Do you need supplementary long-term care insurance?
It is not possible to take out compulsory long-term care insurance? We have a solution!
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You can rely on our lowest prices.
If you find the supplementary long-term care insurance you have taken out cheaper on another website, we will reimburse you the difference!
We analyse the entire market for you of the available companies
The most important questions - and more.
Question
What option do you have now?
We have created exclusive solutions for our customers, in order to be able to protect you nevertheless in the area of care. We have entered into cooperation agreements with German nursing care insurers such as Allianz Krankenversicherung and DKV Krankenversicherung. Both offer you private daily nursing allowance insurance, as a supplement to your European health insurance.
Both provide benefits in the care degrees 0 to 5 in the outpatient and inpatient area even without the advance payment of a German health insurance and compulsory long-term care insurance and not only in Germany, but worldwide.
Question
Why can’t I take out another private long-term care insurance policy?
Of course, you can also take out private daily nursing allowance insurance on your own; there are more than 40 private health insurance companies that offer private nursing allowance insurance.
These private daily nursing allowance insurances, however, have listed in their AVBs (general insurance conditions) that they only take over benefits under advance payment of a German health insurance and under advance payment of a compulsory nursing care insurance.
Should now a nursing case occur, you can prove however no German health insurance and no nursing care insurance and thus on the part of the insurers a cost assumption would be rejected, since the conditions for a benefit are not given at all.
Question
Why is private long-term care insurance so important?
People often associate the need for care with old age, but the need for care can also arise at the age of 30 or 40, for example as a result of a serious illness such as cancer or as a consequence of an accident. So you should take financial precautions here even at a younger age.
At the latest for the application for the statutory pension, you must prove that you have both health and long-term care insurance, otherwise no pension application will normally be approved.
To apply for a pension, it is sufficient to provide proof of European health insurance with private nursing care insurance. By law, there is no German health insurance (statutory / private health insurance) required to apply for the pension.
In general, private long-term care insurance provides benefits in the event of illness or accident at any age.
Question
Do I need private long-term care insurance to return to the German health care system?
It is possible to return you to the German health insurance system after you have been a member of a European health insurance scheme for at least one year and have provided proof of private nursing care insurance.
These are exclusive special solutions and framework agreements for our customers, which we have concluded for you with German health insurance companies.
To do this, you need long-term care insurance.
The most important condition for the return to a German health insurance is that the contributions to the European health insurance and to the daily nursing allowance insurance have been paid without any arrears in contributions. We will also be happy to inform you about the solutions to immediately return to the German health insurance system.
Attention
Attention, waiting period in the compulsory nursing care insurance after returning to the German health insurance system!
In the area of compulsory long-term care insurance, there is a waiting period of 2 years. In order to receive benefits from the compulsory long-term care insurance, you must have at least Have been insured for 2 years.
In the area of private compulsory long-term care insurance, there is a waiting period of up to 5 years.
The waiting period depends on how long you have been covered by compulsory long-term care insurance in the last 10 years. For this at least 5 years of insurance periods must be proven.
This means that even if you have been reinstated in a German health insurance through us, the compulsory nursing care insurance does not pay out immediately, but usually only after 2 to 5 years, depending on the previous insurance gap. During this time, private long-term care insurance should be continued.
Note
Attention, waiting period in the compulsory nursing care insurance after returning to the German health insurance system!
The need for care has nothing to do with age; the need for care can also arise at the age of 30 or 40, e.g. as a result of a serious illness such as cancer or as a consequence of an accident.
The nursing care insurance pays after determining the level of care which is determined by the medical service of private health insurance (MDK) and this even worldwide.
