Long-Term Care Allowance
A guaranteed monthly benefit if you need long-term care
The need for care can arise suddenly, and public long-term care insurance only covers part of the actual costs. With our long-term care allowance, you receive a fixed amount every month if you need care, which you can use freely, whether for home care or in a nursing home.
Benefits of this insurance
You decide how to use the monthly benefit, without justifying the expense.
You start receiving the benefit from the first recognized level of care need.
You stop paying the premium from care level 4 onward.
Choose the option that best fits your situation or combine both.
Coverage comparison
| Level 1 | Level 2 | Level 3 | Level 4 | Level 5 | |
|---|---|---|---|---|---|
| Mehr Pflege Ambulant (home care) | 20% | 50% | 80% | 100% | 100% |
| Mehr Pflege Stationär (nursing home) | 20% | 100% | 100% | 100% | 150% |
Percentages of the agreed monthly benefit, which can be set between €100 and €3,000 in €10 increments.
Additional modules and benefits
Assistance services
Access to additional support and advisory services for organizing care.
Increased benefit for accidents
You receive 150% of the monthly benefit if care level 4 or 5 results from an accident.
What is covered
Monthly benefit for care needs
You receive the agreed amount every month from the moment care needs are recognized, with no need to prove expenses.
Home and residential care
You can take out the home care option, the residential option, or combine both for full coverage.
Premium waiver
From care level 4 onward, you stop paying the insurance premium, including any risk surcharge.
What is not covered
Already existing care needs
A care situation that already exists or is diagnosed before taking out the policy cannot be insured.
Benefits without official recognition
The benefit requires official recognition of the care level; without it, there is no entitlement to payment.
Real claim examples
Home care after a stroke
After suffering a stroke, Manuel is recognized as care level 3. The insurance pays him 80% of the agreed benefit for home care.
Admission to a nursing home
Cristina's mother, with care level 4, is admitted to a nursing home. The insurance pays 100% of the agreed benefit under the residential option.
Frequently asked questions
From which care level is it paid?
The benefit starts being paid from care level 1, although at a lower percentage than at higher levels.
Can I freely choose the monthly amount?
Yes, you can set the monthly benefit between €100 and €3,000 in €10 increments, for both the home and residential options.
Do I need to prove what I spend the money on?
No, the benefit is paid with no need to submit expense receipts, and you decide freely how to use it.
What happens if my care level worsens?
The benefit automatically adjusts to the percentage corresponding to the newly recognized care level.
Can it be combined with public long-term care insurance?
Yes, this allowance is a private supplement to the benefits of mandatory public long-term care insurance.
Want to protect your future against the need for care?
Tell us what monthly benefit you would like to secure and we will help you choose the right option.
Request free advice