Private care pension (Pfle­ge­ren­te)

Close your long-term care financial gap

Statutory long-term care insurance often covers only part of the actual care costs. As a care recipient, you may frequently have to pay hundreds or even thousands of euros out of pocket. With a private care pension, you can effectively protect yourself against this financial risk. The model is simple: from the start of the contract, you pay a monthly premium, and once you become care-dependent, the insurer pays you the agreed monthly care pension.

Flexible use of the care pension

The private care pension is always paid in addition to statutory benefits. You can freely use the funds, for example, to cover your personal share of nursing home costs or to compensate relatives who provide care at home.

Full care pension benefits are typically paid at care level 5, while partial benefits are provided at lower care levels depending on the provider and plan.

Tip: The younger you start a private care pension, the lower your monthly premium will be.