How much supplemental care insurance coverage do you need?
Germany's statutory long-term care insurance (Pflegeversicherung) rarely covers the full cost of care. This calculator estimates your monthly gap and translates it into a coverage target for comparing private Pflegezusatzversicherung policies — Pflegetagegeld, Pflegekosten, or Pflegerente.
Include help with bathing, meals, supervision, and other daily support.
Germany's statutory long-term care insurance (Pflegeversicherung) assesses need on a scale of 1–5. This section only applies in Germany.
Your care cost snapshot
Based on 20 hrs/week of professional in-home care
This is the estimated monthly gap private supplemental insurance is designed to close.
Recommended coverage target
Insurers quote supplemental care coverage in these terms — use these figures as a starting point when comparing daily-benefit and fixed-monthly-benefit policies.
This tool does not calculate insurance premiums — insurers price policies individually based on your age, health, and chosen tariff, and we have no access to that data. What it gives you is a coverage target: how large a benefit to look for when comparing offers. Always compare multiple insurers or speak with an independent, fee-based Versicherungsberater before buying.
Three ways private supplemental insurance pays out
Pflegetagegeld
Pays a fixed amount per day once your Pflegegrad is confirmed — regardless of your actual costs.
Best if you want simple, predictable cash with no receipts to submit — money can go toward professional care or family caregivers.
Pflegekostenversicherung
Reimburses a percentage of your actual, documented care costs, up to a policy limit.
Best if you expect high, variable costs — especially residential care — and don't mind submitting receipts.
Pflegerente
Pays a fixed monthly amount once your Pflegegrad is confirmed, often with a savings/investment component if never claimed.
Best if you want the highest flexibility and don't mind higher premiums — some policies refund contributions if long-term care is never needed.