Nursing care insurance: Nursing care is often not useful

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Stiftung Warentest shows: Nursing care only makes sense in individual cases

The state-sponsored daily care allowance, the so-called "nursing care", is in most cases not sufficient to cover the need for care - the Stiftung Warentest has now come to this conclusion.

Five euro subsidy from the state since January 2013 In principle, it can affect anyone, because according to the editor-in-chief of the "Finanztest", Hermann-Josef Tenhagen, around 50 percent of all insured people need care at the end of their lives. And that can be very expensive - that's why the state has been subsidizing daily allowance insurance with five euros per month since January 2013, provided that the insured person pays at least ten euros a month and the insurance meets the state requirements. But how useful is the "nursing bahr" actually? In view of the high cost of care, should consumers ideally conclude such a funded contract? The Stiftung Warentest also asked itself this question and examined 17 subsidized tariffs and 23 non-subsidized tariffs for the current May issue of its consumer magazine "Finanztest".

Subsidized tariffs not sufficient The testers came to a clear result: The new subsidized tariffs are simply not sufficient “to close the financial gap in the case of care. The tariffs that are not subsidized, on the other hand, are more worthwhile, ”said the press release from the foundation. Because care can quickly become very expensive: "Professional care often costs over € 3,000 a month if you need a lot of care," explains editor-in-chief Tenhagen.

Statutory insurance covers only half of the nursing costs About half of the costs of intensive care in the home or at home would be covered by the statutory insurance - which in turn would mean that the insured would have to pay around 1,500 to 1,800 euros per month, “overall often tens of thousands of euros by the end of life, ”Tenhagen continued. However, according to the test, the 17 offers of new subsidized tariffs would only remedy the situation to a limited extent, because “in many cases they offer a maximum benefit of often 600 to 700 euros per month, and the contribution to long-term care insurance itself has to be paid further become, ”explains the expert.

Unsubsidized insurance brings more advantages With regard to the maximum benefit of 600 to 700 euros per month, the payments to be made are not to be underestimated, as the foundation further points out, because for 600 to 700 euros a 45-year-old customer must be between 10 and 16 months a month Pay in euros, with an insured person who is 10 years older, even 14 euros and 26 euros would be due. Accordingly, from the Stiftung Warentest's point of view, the nursing bahr is only worthwhile in a few cases, for example "if someone no longer receives unsubsidized insurance due to their old age or an illness or if someone is young and has an increased risk of illness", said the press release of the foundation - The subsidized product could be a sensible alternative here, since insurers should not refuse customers with nursing Bahr tariffs compared to unsubsidized contracts.

Large quality differences in unsubsidized contracts In general, the recommendation of the Stiftung Warentest therefore goes in the direction of unsubsidized contracts: "Anyone who can afford to make provision for nursing care should therefore take out long-term care allowance insurance without a state allowance," said the Expert Council. However, you should take a close look, because the tested offers would have shown great differences, the ratings range from "very good" to "sufficient". For the "very good" and "good" tariffs, costs of around 55 euros per month for 45-year-old customers and 85 euros for 55-year-olds would have to be taken into account, which would then cover the financial risk of care at all care levels, according to the foundation further.

"Nursing Bahr" cannot solve the insurance problem of most consumers. In summary, the investigation according to Hermann-Josef Tenhagen would have shown that the "Nursing Bahr" could not solve the insurance problem of most consumers. Tenhagen therefore recommends people who are still healthy and who have the necessary financial means to take out a "good" or "very good" daily care allowance without support "or, alternatively, to use part or all of their assets in old age to pay for care costs. If you do not have the appropriate financial means, Tenhagen continues, "the social welfare office will continue to have to pay for it - and then, if there are any, raise your own children with a decent income." (Nr)

Also read:
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

Picture: Günter Havlena /

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