Fare costs explode: How to secure yourself sensibly!

Fare costs explode: How to secure yourself sensibly!

The nursing costs in Germany are increasing continuously, and a current study makes it clear that many people are insufficiently prepared for the financial burden in the case of care. According to an investigation by Askurata on behalf of the PKV association, it is expected that over six million people in need of care will be living in Germany by the end of 2035; By 2055, this number could even increase to 7.6 million. Nevertheless, many do too little to comprehensively secure themselves through additional insurance. Such a provision can be realized from an amount of 50 euros a month, demands Florian Reuther, director of PKV.

In the current system of long -term care insurance there are various models for self -provision that are offered by both private and legal insurance.

models for self -provision

One of the best-known options is the “nursing-Bahr” model, which has been introduced since January 1, 2013 as part of the Nursing Directorate Act and has been named after the former Federal Minister of Health Daniel Bahr. Insured persons receive a state grant of five euros a month for voluntary care daily insurance, provided certain requirements are met. The minimum contributions amount to 15 euros, whereby the customer contributes at least 10 euros themselves. No health tests are required, and the services are based on the levels of care, but can be perceived as insufficient in lower levels.

In addition, care costs insurance is offered, which is provided by five PKV companies. This insurance enables the reimbursement of proven care costs and can increase the legal benefits by 50 or 100 percent. It is particularly suitable for people who know that they will need professional care. However, it should be noted that services for domestic care by relatives are often less extensive.

The most widespread insurance approach is the care daily insurance, which had over three million insured in the late 2023. In the case of care, a daily care allowance is provided, which is paid independently of the place of residence. The amount of the overnight money can be selected individually, and both static and flexible tariffs are available. Different conditions offer the opportunity to insure children from birth without a health check.

demographic development

Demographic development in Germany contributes to the growing number of people in need of care. Data show that the number of people in need of care rose from 2.02 million in December 1999 to 5.69 million in December 2023. Over 80 % of those in need of care are cared for at home, which made 4.89 million people in 2023. The need for care increases particularly with age, with 87 % of people over 90-year-old people in need of care. Forecasts indicate that these figures will continue to increase in the coming years.

In order to counteract the increasing care costs and the increase in those in need of care, PKV director Florian Reuther not only demands more self-provision, but also political measures to support capital-covered provision. However, the coalition agreement between the Union and the SPD announces a reform of long -term care insurance on how and when it is to be implemented remains unclear. Against this background, early protection is recommended by the various models to meet the financial challenges in old age.

For people who have difficulty finding protection due to high contributions to other insurance companies or due to previous illnesses, the nursing-Bahr could be a meaningful option. It is advisable to compare the offers of different providers to find the best solution for the personal location.

Infranken reports , nursing.de explained , and Destatis The critical situation in long -term care insurance and the need for better financial provision.