More than one in three Germans has according to a survey of private health insurance (PHI) has a long-term care at a personal level. A total of about 2.6 million people in Germany are dependent on permanent care by others. 2020, there will be 2.9 million, 2030 more than 3.4 million forecast by the Federal Statistical Office.
The benefits of statutory care insurance are not designed to all costs incurred in nursing cover. It was many still do not realize that the offer only a “partial cover protection” that so stay a care gap, says a spokesman for the Association of Private Health Insurers (the PHI Association).
This gap can be seen: Stiftung Warentest stated that defendant be required to pay extra 540 euros on average out of pocket every month. “On average” means that in many cases – depending on the level of care – could also incur significantly higher costs. In part, this care gap is more than 2000 euros a month.
The Foundation has examined long-term care for their magazine “financial test”. At least five “very good” and 78 “good” deals recommends the foundation. However, it has “financial test” out the good hedge depends on having safe and sufficiently high income
Good hedging is possible -. But often expensive
A defeat it for the government-sponsored “Care-Bahr” tariffs that offer private health insurers. They are “last choice” – and is only recommended in exceptional cases. “Financial test” thus includes, among other things, the criticism of – not Stiftung Warentest connected – magazine “Öko-Test”, which also tested nursing care about a year ago and ruled: “Care-Bahr falls fully through.”
The benefits of nursing Bahr rates are not enough, according to “financial test” to meet the needs of long-term care across all care levels away. However, older or already sick people often get only this government-sponsored days money variant. The legislature has turned off the usual medical examination of the insurer for them. Everyone gets such a policy. Only those who are already in need of care, has no chance.
low-income people and people with pre-existing conditions is a private pension plan in the first place in this way, it is called because even when PHI Association. There is therefore criticizes the global allowance of subsidized care Bahr rates and methodologically: Around 50 percent of all nursing Bahr insured were younger than those of “financial test” underlying model customer of 45 and 55 years. Therefore you paid less contribution for fewer services than mentioned in the report.
Care-Bahr intended to counteract care case
The former Health Minister Daniel Bahr from (FDP) in 2013 government-sponsored endorsement should create more incentives for private long-term care. Those who complete the insurance, gets under certain conditions, monthly five euro grant from the state for care-cash insurance. “Fortunately, this offer is being accepted by young people, the state with only ten euro contribution and five euro grant already can make a good precaution,” reads the PHI Association.
The growing danger of being on welfare by care costs in old age, the policy is known. Not only the number of cases increases. Increasingly, must also state for care arise because neither affected nor can pay members.
Last received in Germany a total of about 444,000 people, the social power “help to care “. This is the highest level since 1995, when 574,000 were supported by the Office of care. “Helping people to care” people get when they or their descendants can not pay themselves. This risk can be prevented with a private insurance.
Very good rates in nursing days money
Consumer advocates recommend Pflegetagegeld- tariffs. The unsubsidized version is available as completely and as a combined rate. This includes an unsubsidised and a state-subsidized fare share.
The combination rates are not to be confused with care Bahr. Overall, they cut the test results from states that “financial test” slightly better than the unpromoted rates. Due to the state allowance of five euro a month, with the amount of the insured will be increased, the performance of these contracts are slightly higher.
For a 45- year pilot customer has a miss “Very good,” “financial test” two combination deals: The rates of the German family insurance DFV Germany Care supplement coverage and communications delivery care (financial Verdict 1.4) and the tariffs PA and PB Hanse Merkur. For a 55-year-old keen to sign up, there is no “very good” recommendable offer. But at least he has the choice of 19 “good”.
Even with the unsubsidised prices there are numerous deals that include those of “financial test” calculated supply gap. “Very good” appropriate care day money rates without support for the 45-year-old model offer customers according to “financial test” Württemberg (fare: PTPU) and Hanse Merkur (PA)
. after all, was the 55-year-old model customers the Württemberg with PTPU enter a “very good”.
often stand or fall deals with the contributions
A large role – also for the evaluation by “financial test “- plays the monthly premium, the insured must pay. Insured should choose the posts so that they can afford to permanently anyway. If the contract is terminated, customers lose the money paid and are in long-term care without protection.
For the rates tested the 45-year-old model customer paid monthly 56 € and the 55-year-old 87 euros at unsubsidised and the Kombi tariff. They were each customer win.
The question of when it would be best to conclude a long-term care, is not easy to answer. When you PHI Association points out that as a young man enjoys clear advantages: “The sooner you start, the lower is the premium and the higher the performance,” it says. In addition, the greater chance of getting a contract without risk premiums.
On the other hand, refers to “financial test” that every once about more important insurance such as disability insurance and retirement should take care of. Often be predicted in middle age, whether they could afford a nursing days money insurance at all in the long run.
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