Nursing care does not provide adequate protection

Stiftung Warentest with a damning judgment for the nursing bahr

The study by the Stiftung Warentest in a study on state-sponsored private long-term care insurance with the result that these are in no way sufficient "to cover the need for money in nursing care" and also their contract terms are often worse than those of unsubsidized tariffs in the insurance industry and triggered an extremely divided echo on the political side.

While the government coalition does not want to see the so-called nursing Bahr as an entry into private nursing care valued solely from the point of view of cost recovery, but rather emphasizes the introduction to individual responsibility at this point, Opposition feels confirmed by the results of the Stiftung Warentest in its previous criticism. For example, the SPD general secretary Andrea Nahles emphasized in view of the financially unsustainable state-subsidized long-term care insurance: "If you want to protect smaller incomes, you must not privatize health and nursing risks and leave people at the expense." That was the case with private health insurance negative assessment of the nursing Bahr, however, rather critical, similar to the government coalition. Especially since "the private health insurance companies had campaigned for the introduction of the model from the beginning and used this in part to reduce the risk of long-term care insurance".

Nursing bahr with worse conditions than unsubsidized private long-term care insurance Even during the discussion about the introduction of state-funded long-term care insurance, the chairman of the Federation of Insured Persons (BdV), Axel Kleinlein, had expressed his disapproval, because in his view the administrative costs of the contracts, allowances and of the risk structure equalization would consume the entire state subsidy and the subsidized care tariffs might become significantly more expensive than the non-subsidized. This cannot be seen from the examination of the Stiftung Warentest, but the nursing bahr obviously offers worse conditions than other private nursing care insurance. Accordingly, Kleinlein's criticism of the content has arisen to a certain extent. The Stiftung Warentest also comes to the conclusion that "contributions in the area of ​​nursing bahr may in future be able to increase significantly more than in unsubsidized tariffs". (fp)

Also read:
Nursing care insurance: Nursing care is often not useful
Massive criticism of nursing bahr
PKV reduces contributions to long-term care insurance
Long-term care insurance: SPD wants to ask PKV to checkout
New models of long-term care insurance in demand
Solidarity care instead of private care risk
Rösler plans private supplementary long-term care insurance
The contribution ceiling is lowered
Premium increase in long-term care insurance expected

Image: Gerd Altmann /

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