As a person with nursing care insurance, you are entitled to nursing care in a nursing home or another fully inpatient facility if home or semi-inpatient care is not possible or cannot be considered due to the special nature of your case.

In addition to the actual care services, the scope of benefits also includes social care and medical treatment care.

The maximum monthly amount that long-term care insurance companies pay for full inpatient care services depends on your care level (as of 2021):

• a maximum of EUR 770.00 for care level 2
• for care level 3, a maximum of EUR 1,262
• a maximum of EUR 1,775 for care level 4
• for care level 5 a maximum of EUR 2,005

In most cases, the costs of full inpatient care are higher than the amount covered by your care insurance fund. You then pay a co-payment. This is the same for all residents within a facility, regardless of the care level. For example, if you have care level 5, you will pay the same amount as someone with care level 2.

From January 2022, your own contribution to care-related expenses will be reduced. The long-term care insurance fund will then pay a supplement to your own contribution. The supplement depends on the duration of full inpatient care.
This supplement to your own contribution amounts to

• 5 percent if you receive full inpatient care for up to and including 12 months,
• 25 percent if you receive full inpatient care for more than 12 months,
• 45 percent if you receive full inpatient care for more than 24 months,
• 70 percent if you receive full inpatient care for more than 36 months.

The cost of care in a nursing home can vary greatly from one facility to another. You also bear the costs yourself:

• Costs for accommodation and meals
• possibly costs for calculable investments. These are costs incurred by the care home, for example for building rental or purchases. These costs can be passed on to the residents of the facility
• possibly costs for additional services. These are also referred to as "comfort services". This refers, for example, to a single room, special meals or special care services.

If you are unable to cover the additional costs yourself, your relatives will have to pay for them. However, children only have to contribute to the costs of the care facility if their annual gross income exceeds EUR 100,000. If your relatives are also unable to cover the costs, you will receive state support from the social welfare office.

If you live in a care home during the week and are cared for by relatives at home at the weekend, you can also apply for home care benefits, for example care allowance or care aids.

If you need help choosing a suitable care facility, contact your care insurance fund or your nearest care support center.