Long-Term Care Insurance 2025: Rates Rising Sharply - How to Protect Yourself
Starting January 1, 2025: Care contribution rises to 3.6%! Meanwhile, those needing care pay average €3,000 per month out-of-pocket. The care gap keeps growing. Learn why supplementary care insurance is now essential.
Key Facts at a Glance:
- 📊 Care contribution rises from 3.4% to 3.6% (+0.2 percentage points)
- 💸 Out-of-pocket in nursing homes: average €2,871 to €3,000/month
- 📈 Care benefits increase by 4.5% - but still far from sufficient
- 👴 4.96 million requiring care today - 6 million+ expected by 2040
Germany's long-term care insurance faces enormous challenges:As of January 1, 2025, care contributions are rising again, while statutory benefits are far from sufficient to cover actual care costs. The so-called "care gap" - the amount those requiring care must pay out-of-pocket - continues to grow. For many families, care becomes a severe financial burden.
💰Care Contribution Rises to 3.6% in 2025
New Contribution Rates from January 1, 2025
General Contribution Rate:
For members with at least 1 child
Without Children:
Surcharge for childless (0.6%)
💡 Scaling by Number of Children:
- • 2 children: 3.35% contribution (-0.25%)
- • 3 children: 3.10% contribution (-0.50%)
- • 4 children: 2.85% contribution (-0.75%)
- • 5+ children: 2.60% contribution (-1.00%)
Applies during upbringing phase until child turns 25
📊 What This Means Concretely:
📈Care Benefits Increase by 4.5%
The Good News First:
Through the Care Support and Relief Act (PUEG), care insurance benefits are increased by 4.5% as of January 1, 2025.
Care Allowance (home care):
- • Care level 2: €332 (was: €316)
- • Care level 3: €573 (was: €545)
- • Care level 4: €765 (was: €728)
- • Care level 5: €947 (was: €901)
Professional Care Services:
- • Care level 2: €761 (was: €724)
- • Care level 3: €1,432 (was: €1,363)
- • Care level 4: €1,778 (was: €1,693)
- • Care level 5: €2,200 (was: €2,095)
💰 Relief Amount for all care levels: €131/month (was: €125)
⚠️The Care Gap: The Major Problem
Despite contribution increases and benefit improvements: Care insurance covers only a fraction of actual costs. The result is a massive "care gap" that those requiring care and their families must cover themselves.
💸 Nursing Home Costs (Average 2024):
Total costs per month:
€2,871
First-year out-of-pocket:
~€3,000
Care
~€1,000
Accommodation
~€700
Food
~€500
Investment
~€500
📊 Care Cost Development:
+27.7% increase in 2 years!
⚠️ The Dramatic Problem:
- 📉Benefits rise slower than costs: While costs rose 27.7%, benefits increase only 4.5%
- 💸Care gap grows continuously: Out-of-pocket costs increase year by year
- 👨👩👧Families burdened: When pension/savings insufficient, children must pay
👴The Demographic Time Bomb
Development of Those Requiring Care in Germany:
1995
2.0 M
Requiring care
End 2021
4.96 M
Requiring care
Forecast 2040
6+ M
Requiring care
📈 This means: +150% since 1995 and another +20% by 2040 expected!
🛡️The Solution: Supplementary Care Insurance
Given the growing care gap, private supplementary care insurance is becoming increasingly important. It closes the gap between statutory benefits and actual costs, protecting you and your family from financial overburden.
3 Types of Supplementary Care Insurance:
1. Daily Care Allowance Insurance ⭐ RECOMMENDED
- • Fixed daily rate per care level (e.g., €50-100/day)
- • Flexible use of funds possible
- • No receipts required for expenses
- • Ideal for: Maximum flexibility
2. Care Cost Insurance
- • Reimbursement of actual costs (e.g., 80% coverage)
- • Receipts required: Submit invoices
- • Supplements statutory care
- • Ideal for: Cost coverage for high nursing home expenses
3. Pflege-Bahr (State-Subsidized)
- • State subsidy: €5/month (€60/year) grant
- • No health examination required
- • Minimum benefits guaranteed
- • Ideal for: People with pre-existing conditions
💰 Sample Calculation Daily Care Allowance:
Insured: 40 years old, healthy
- • Care level 2: €25/day (€750/month)
- • Care level 3: €50/day (€1,500/month)
- • Care level 4: €75/day (€2,250/month)
- • Care level 5: €100/day (€3,000/month)
Monthly Premium:
~€30-50
Depending on age and health
In case of care level 5:
€3,000/month benefit!
⏰ Why You Should Sign Up NOW:
- 💰Younger = cheaper: At 30 you pay only €20-25, at 50 already €50-70
- 🏥Health examination: Older and sicker = harder to get accepted
- 📈Premium stability: Early sign-up = stable premiums long-term
- 🛡️Immediate protection: Even young people can require care due to accidents
Free Comparison • All Providers • Secure Best Conditions
🎯Conclusion: Act NOW!
Long-term care insurance faces enormous challenges.Despite rising contributions and increased benefits, the care gap grows continuously. Those who cannot rely on savings, high pensions, or family financial support in case of needing care must expect massive financial burden.
Supplementary care insurance is therefore no longer a luxury but becomes a necessity. The earlier you secure coverage, the cheaper the premiums and the better your chances of acceptance despite existing health issues.
⚠️ Risks Without Coverage:
- • Bear monthly costs up to €3,000 yourself
- • Deplete savings
- • Children required to pay
- • Apply for social assistance
✅ With Supplementary Insurance:
- • Financial security in case of care
- • Free choice of care and facility
- • Family not burdened
- • Assets preserved
Protect Yourself BEFORE Needing Care!
Compare supplementary care insurance now and secure the best conditions. The earlier you protect yourself, the cheaper the premiums. Free, non-binding, in just 3 minutes.