Care & Health

Long-Term Care Insurance

Financial protection if you need long-term care

Find out how long-term care insurance offers you and your loved ones financial support if you come to need care.

Financial security if you need care: our support

Long-term care insurance gives you financial support if you come to need care in old age or as a result of illness. It helps you cover the costs of professional care services and so eases the burden on your family. With long-term care insurance, you make sure you are financially protected if you need care and receive the best possible care.

Frequently asked questions: Long-Term Care Insurance

What is long-term care insurance?

Long-term care insurance provides financial benefits to cover the costs that arise when someone needs care. It supports people in need of care with the costs of home care, residential (inpatient) care or outpatient care services.

Is long-term care insurance required by law?

In many countries there is a legal obligation to insure against the risk of needing care – in Germany, for example, through statutory long-term care insurance. How this obligation is regulated can differ from country to country.

Which benefits does long-term care insurance cover?

Long-term care insurance generally covers the benefits needed when someone requires care. These include, for example, the costs of professional care, medical treatment, home care aids, care allowance (Pflegegeld) or the cost of adapting your home.

How much are long-term care insurance contributions?

The contribution for long-term care insurance varies depending on the country, the provider and individual factors such as the age and state of health of the insured person. In some countries, long-term care insurance contributions are based on income.