Supplementary cover · Long-term care
Compulsory long-term care insurance is not full cost cover. A supplementary policy can add payment for remaining care costs or an agreed cash benefit, provided the premium and conditions remain affordable long term.
Care at home or in a residential facility can cost more than compulsory insurance pays. Accommodation, meals, everyday assistance or lost income for relatives may also arise.
The key differences are whether costs must be documented and how flexibly the benefit can be used.
Pays the agreed amount for a recognised care need according to the German care grade (Pflegegrad). The money can generally be used flexibly.
Review the benefit scaleReimburses certain remaining care costs fully or partly after compulsory insurance has paid.
Review reimbursementPays an agreed annuity under the contractual conditions and often has higher premiums.
Review the definitionsPolicies can weight home care, residential care and individual care grades very differently.
A person with German care grade 3 (Pflegegrad 3) is cared for at home. Compulsory insurance provides fixed benefits but does not automatically cover every expense. An agreed care allowance may be used flexibly for additional support, household help or other arising costs.
Illustrative example only — not personal advice and not a guarantee of cover, benefits or price.We consider the possible funding gap, preferred form of care and long-term affordability together.
Benefits available under social or private compulsory long-term care insurance and any other existing entitlements are considered.
Home, residential and family-care scenarios are considered separately.
Flexible cash allowance, care-cost cover and long-term care annuity insurance are compared.
Benefit scales and differences between home and residential care are made visible.
Premium development, indexation and possible premium waiver are assessed.
MB Finance remains available for contractual notification and claims handling.
Care planning adds to compulsory insurance but does not address temporary income loss or survivor protection.
The suitable approach depends on care preferences, existing means and a sustainable budget.
No. It provides defined benefits but not necessarily all actual costs. Personal contributions may remain.
Primarily daily or monthly care allowance, care-cost insurance and long-term care annuity insurance. Evidence requirements, flexibility in how benefits can be used and payments by German care grade (Pflegegrad) differ.
No. A care need can arise at any age. The possible gap, reserves and long-term affordability are decisive.
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General information, last updated 31 August 2026. Descriptions of typical benefits are not a guarantee of cover or payment. Care grade, application, policy schedule and conditions are decisive.
