Category: Insurance

When you or a relative requires care, there are many organizational details that affect you. We answer the most important questions about long-term care insurance.

Where is one insured?

Most people with health insurance also have long-term care insurance with their health insurer. The nursing care application must therefore be submitted to the nursing care insurance fund of the policyholder's own health insurance company. The situation is different if the insured has taken out private long-term care insurance. In this case, the application must be made there.

The care assessment determines whether and to what extent someone is in need of care. Only then can care services be claimed. Find out here how the assessment takes place and how you can prepare for it.

At a glance

• The long-term care assessment determines whether a person is in need of long-term care as defined by the long-term care insurance system. Only then can care benefits be received.
• During a home visit, an assessor from the medical service checks to what extent and for how long the applicant is dependent on help in everyday life.
• In addition, the assessor gives advice on how to improve the care situation and recommends preventive and rehabilitation measures.
• The same assessment guidelines are used for children and adolescents, but their need for support is measured differently.
• Thorough preparation for the assessment can help to be correctly classified.
• It is possible to appeal against the decision on the need for care.

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