Care
Insurance 2025
Premium long-term care coverage from €25/month. Nursing home & home care benefits save up to €4,000+ annually.Geprüft protection.
Care Insurance Geprüft Comparison
Premium comparison in 2 minutes - Discover care insurance with €4,000+ annual savings
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Long-Term Care Geprüft Guide 2025
🏥 Premium Coverage Benefits
- Home care services: Professional nursing at home
- Nursing home costs: Monthly fees and accommodation
- Day/night care: Partial institutional care
- Care aids: Mobility equipment, medical devices
- Respite care: Temporary relief for family caregivers
💰 Cost Examples
- Nursing home (private): €3,000-5,000/month
- Home care (24h): €2,500-4,000/month
- Day care facility: €1,200-2,000/month
- Mobility aids: €500-3,000 one-time
- Home modifications: €5,000-20,000
🎯 Care Levels & Benefits
Care Level 1
Minor impairment
€316/month
Care Level 2
Considerable impairment
€545/month
Care Level 3+
Severe/most severe
€728-901/month
⚠️ Care Gap Analysis
Statutory Insurance Coverage
- • Only covers basic care needs
- • Maximum €901/month (care level 5)
- • Long waiting periods for assessment
- • Limited choice of care facilities
Actual Care Costs
- • Nursing home: €3,000-5,000/month
- • Care gap: €2,000-4,000/month
- • Private supplements needed
- • Family financial burden
💡 Premium Care Insurance Categories
Care Daily Allowance (Pflege-Tagegeld)
Fixed daily amount per care level. Flexible use for any care-related expenses. Most popular option.
Care Cost Insurance (Pflege-Kostenversicherung)
Reimburses actual care costs. Requires receipts. Higher coverage but less flexible.
Care Annuity (Pflege-Rentenversicherung)
Combines savings with care protection. Returns premiums if care not needed. More expensive.
❓ Expert Q&A
When should I get long-term care insurance?
The earlier, the better. Premiums are much lower when young and healthy. Most insurers require health checks and may reject pre-existing conditions.
How much coverage do I need?
Calculate the gap between statutory benefits (max €901) and expected care costs (€3,000-5,000). Consider €50-100 daily allowance minimum.
Are premiums guaranteed for life?
Most policies have premium adjustment clauses. Look for guaranteed maximum increases (typically 5% annually). Consider policies with premium waivers during care.
What happens if I move abroad?
Coverage varies by insurer and destination country. EU countries typically covered. Check worldwide coverage options for long-term expatriation.