Nursing supplement insurance - is it worth it?

My neighbor wants to move. "I'm going to the East, because the homes are cheaper ,? he told me in the hallway. Later with coffee and cake he told more. He has a chronic illness and he knows he needs care. Now he has sent an application to get a nursing degree. He is still fit, he probably does not get more than 1. But he is clever. He first moves to a small apartment in Thuringia. There the nursing homes are cheaper, much cheaper than in Munich. Here a home space costs on average 3,400 euros. Since you have to pay a lot of money yourself, up to 2000 euros. In Thuringia only 900 euros. "I can do that with my pension," says my neighbor.

I thought so. Nursing supplement insurance was the keyword. My mother has already experienced this with her best friend, who now walks through the apartment after an accident with the rollator. She helped her find a supplementary care insurance. She has only found one that has no age limit and no health check. But with a wait. The friend can only get benefits if she has paid the monthly contributions for 5 years.

Think of old-age provision - no thanks!

It's so uncomfortable to think of old age. For the pension you should make provision and also for the care. Today, only 15 percent of all elderly people are in the nursing home. Then it is possible that you yourself will be spared! But what is the situation in 2050? When it comes to care, you can not judge anything correctly. Even by accident you can be in need of care, not only by age. And that can happen tomorrow. Should I take one or should I not take additional care insurance? If I am still fit and independent at 85, then I have paid a lot of money for nothing. But when I'm in the nursing home for 5 years, I get a nice sum every month. Maybe just what I paid, maybe more.


The statutory long-term care insurance

Everybody who has health insurance receives a care allowance from the nursing care insurance (this is a department of the health insurance) for the care in the home. This legal allowance is low if you have Grade 3. Then you get 1,262 euros. At grade 4, it is 1,775 euros. BUT: the home costs are much higher. The remainder, the patient must pay from his income (pension, pension) and his assets. Also, home ownership must be sold or rented to have extra money. Your own children have to pay. If nothing works, the welfare office pays. That's the reality that makes you scared. Many displace the topic. Most people think: this does not happen to me, I can not get home. But you can be wrong.

Additional money with private long-term care insurance

A supplementary care insurance is a private insurance. That means, you get additional money for the cost allowance of the care fund. For example, my mother's friend has Grade 3. In 5 years, she may be in a nursing home. The statutory long-term care insurance takes over 1,262 euros from the home costs. The private insurance pays 720 euros to, together are the 1,982 euros. The home space costs 3,200 euros. There remains a remainder of 1,218 euros. She can do that with her pension. If the home costs in 5 years but higher, it is already scarce. Because she also wants some pocket money for hairdressing, nail care and chocolate.

Different insurance

  • There is a subsidized extended care insurance for old and sick people without health check. The state pays 5 euros a month and anyone can apply for them. You have to deposit for 5 years without getting any benefits. This insurance is called "Pflege-Bahr".
  • There are insurance companies that do a light health check. They are expensive z. B. Allianz, Württembergische and RV. The cheap ones also have a waiting period e.g. 3 years at Munich club.
  • There are insurance companies that do a very extensive health check, which are then cheaper, for. B. Concordia and HanseMerkur.
  • There are insurance companies that double all subsidies from the statutory long-term care fund, including the subsidy to barrier-free renovations in the home in outpatient care, z. B. UniVersa.
  • There are insurance companies that combine the? Pflege-Bahr? with own offers. Then the 5-year wait is gone. They are not cheap, but affordable. For example, HUK-Coburg, Debeka, Bavarian Insurance Chamber.

Tips:

The details in the insurance offers are difficult to understand, eg. For example, daily allowance, monthly allowance, percentage of it as an additional service, etc. Therefore, seek detailed advice and compare different offers!

If you have money left over from your income, you should start with private supplementary care insurance from the age of 50. Then you are usually healthier than 65. And they are much cheaper, around 40 euros per month. Maybe do without something else, e.g. on cigarettes or on branded clothes. Who knows what happens in life ... You just do not know. Buy now Nursing insurance - Do not be afraid of appraisers! What is really important in the appraisal! Nursing insurance - Do not be afraid of appraisers! What is really important in the appraisal! 12,95 ?

Medicare Supplement Insurance Medigap - Explanation and Overview ✅ #healthy #insurance #health | March 2024