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.
Saving on health insurance and still getting the best coverage isn’t possible? With signing in for ottonova you can make it happen!
Whether you opt for public or private health insurance in Germany, your health insurance premiums will also include long-term nursing care insurance (Pflegepflichtversicherung in German) as standard. This is because, like health insurance, it is a mandatory form of insurance for everyone living and working in Germany.
This insurance covers a portion of the cost of domestic and residential care in the event that a person needs additional domestic assistance or care for a period of 6 months or more due to illness, injury or disability. If you want to have covered more you also have the possibility to make an additional care insurance (Pflegezusatzversicherung in German).
Long-term nursing care insurance contributions are calculated as a percentage of your income up to the premium assessment ceiling of €62,100. People with children can expect to contribute 3.05% of their income, while those without children pay a slightly higher rate of 3.3%.
It is important to note that contribution rates and the premium assessment ceiling are regularly reviewed and amended by the federal government. The last decade has seen a sharp increase in contribution rates and the assessment ceiling, with further increases expected in future to cover the cost of caring for an aging population.
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!
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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.
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