PRIVATE CLIENTS · MUST-HAVE
Anyone who needs care needs more than the state care fund can provide.
Free first consultation →The problem
A care home place in Germany costs on average more than €2,000 a month as a personal contribution the care fund does not cover, and that figure rises every year. Anyone without private provision has to use up their savings or lean on their family financially. Neither is a solution.
Our solution
We work out what you would need if you required care and show you which options make sense, from supplementary care insurance to a flexible care annuity. We check existing policies for the quality of their benefits and close any gaps, independently and without favouring any product.
Book an appointment →The hard facts
6 million+
More than six million people in Germany now draw benefits from the care insurance system, and the number is rising.
86%
Around 86% of people needing care are looked after at home, often by relatives or with visiting support.
€3,000+
A care home place can leave a personal contribution of more than €3,000 a month. State care insurance often covers only part of the cost.
€1,645
monthly funding gap in a care home: in 2026 the first-year personal contribution is around €3,245, more than most pensions can cover.
Worth knowing
It does not meet all care costs. Depending on the situation, substantial personal contributions can remain.
Illness or accident can leave someone needing care at a much younger age.
In Germany most care takes place at home, often with the family's support.
Taking out cover early is usually cheaper and easier to arrange, while there are no health issues in the way.
37+ years
in the market
100%
independent advice
DEWE
Certified partner of Deutscher Wertschutz e.V.
CLOSING THE GAP
State care insurance pays a fixed amount and you carry the rest. Supplementary private care insurance covers that gap, and the earlier you start, the cheaper it is.
~€1,645
gap left each month, even with the state care fund.
Early means cheap
the premium depends heavily on the age at which you join.
Yours to use
the care benefit can go towards a home or care at home.
Worth knowing
Even a modest daily rate takes the heaviest financial load off your family, and we work out the level you need with you.
Let’s work out how much, free and without obligation, in person, by phone or by video. You then decide whether to go further.
Book an appointment →