Long-term care insurance was made a compulsory form of insurance in 1995 and is a key pillar of the German social security system. It is mandatory for everyone, regardless of whether they have private or public health insurance.
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.
We can help you write your cancellation letter for your current insurer and send it to you by email. You simply need to add your insurance number and signature and then send it to your insurer. We are unfortunately not allowed to contact your current insurer directly.
If you are eligible for private health insurance and you are in Germany on a visa or a limited permit, we can offer you the Expat Tariff up to five years.
ottonova is fully regulated by the BaFin and therefore fulfilling the requirements (§ 257 7Abs. 2a Satz 1 SGB V and the § 61 Abs. 5 SGB XI) for you to be able to apply for a visa with your ottonova insurance, which also includes our Expat tariff of course.
Saving on health insurance and still getting the best coverage isn’t possible? With signing in for ottonova you can make it happen!
The tax in Germany isn’t as hard as you think. We’ll help you learn the ins and outs of taxes for expats, including tax brackets, the easiest deductions you can submit, and more.
For Americans in Germany, the quality of life, security, and comfort make moving to Europe easy. Learn more about what American residents in Germany appreciate the most about expat life.
How does the Social Security System in Germany work? What parts does it have? Find all the important information here!
A payslip — or Lohnabrechnung in German — shows you how your wages or salary is structured. Find every detail about your German payslip explained in our article!
Finding an apartment, registering for your visa, looking for jobs and more – there’s plenty to think about when you move to Germany! But one of the most important choices you’ll make is your health insurance plan.
By entering your data you agree to be contacted by ottonova via phone, SMS and email. Good to know: