Long-term care insurance is a compulsory form of insurance intended to help cover the cost of long-term care
Everyone working and living in Germany pays long-term care insurance contributions to their health insurance provider, in addition to their health insurance premiums. Long-term care insurance helps to subsidize the cost of care in the event that you become care-dependent at some point in the future.
Long-term care includes different outpatient and inpatient services depending on the severity of a person’s condition, which is graded on a sliding scale from 1 to 5. Long-term care insurance differs from health insurance in one key respect, namely that services included in standard long-term care insurance are identical whether you have private or public health insurance.
You can also take out a top-up insurance policy for long-term care insurance to secure enhanced benefits in the event that you require long-term care.