Private long-term care insurance: Retirement planning for the nursing Care

Private long-term care insurance closes gaps in the statutory Provision

The long-term care insurance is one of the compulsory social insurance. The statutory Pension cover in case of emergency, however, by far not all of the costs incurred. So is the cost of a room for a patient Person with the highest care level III regularly twice as much as the state from the statutory care pays. More and more people choose, therefore, for the completion of a private long-term care insurance. This is also of a care insurance spoken. Since 1. January 2013 policyholders can even state subsidies for private long-term care insurance benefit. According to the model of the Riester pension is the private long-term care insurance then with five Euro a month is encouraged. With the so-called "care-Bahr" should be an incentive for self-employed Pflegeabsicherung be created, since due to the demographic change in the coming years, more and more people dependent on care.

Private long-term care insurance contribution is determined by the age

For the connection of a private long-term care insurance is, of course, the contribution is decisive. This depends on the age of the policyholder at the beginning of the premium payment. The risk itself may not, however, in the Calculation of contributions are factored in. Expensive, but it will for women: Because they generally have a higher life expectancy than men and therefore also in case of emergency to longer-term benefits are dependent, you will pay a slightly higher monthly premium. Neither the Insurance nor the government support will depend on the monthly income of the policyholder. Who of the state support for the private care insurance benefit would, however, must meet certain conditions. So it must be in a so-called Tagegeldversicherung act, for the pro Pflegetag depending on the respective level of care, a certain amount is paid. Moreover, there must be monthly at least 10 euros in the private long-term care insurance to be paid, where the contract of insurance, a minimum payment of 600 euros a month when the care level III guarantee.

Private long-term care insurance: a comparison of different offers helps

Private Pflegeversicherungen can at different insurance companies to be completed. However, not all offers are the same: As with most insurance policies differ in the modalities of the contract of insurance to insurance. Therefore helps a comparison of quotations when searching for the right private long-term care insurance. So, you can quickly have a cheap and powerful Tariff determined in order for the nursing Care provision. With the help of the new government funding can also be a low monthly contribution rewarding to be increased. You should then be aged once dependent on care, will benefit you and your family a hassle-free Pflegefinanzierung. With a private long-term care insurance can be high costs of care in old age, simply to be protected. In addition to the statutory long-term care insurance, you will receive in the event of a long-term care in old age regular payment to secure your Pflegebedarfs. Also inform them about private care insurance and compare the different offers!