Long-term care insurance

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.

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.

FAQ

Am I eligible for the Expat Tariff/ PKV tariff? Am I an expat in your definition?

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.

Does the health insurance work with my visa?

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 insurance.

How can I cancel my current insurance? How is the process?

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.

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