Nursing insurance: Almost 3,000 euros for a home place – your own shares rise

Persons in need of care and their relatives must again dig deeper for a home place in Germany. As one of the German press agency in Berlin shows in Berlin, the shares for those in need of care have increased further.

For example, the self -employment for those in need of care in the first year of the home stay in the national average climbed from EUR 2,687 in early 2025. Anhalt with 2,443 euros.

“Constant upward trend”

The Association of Replacements (VDEK), which includes the technician health insurance company, the Barmer and DAK health, speaks of a “constant upward trend”. Neither the surcharges paid by the long -term care insurance company nor an increase in care services at the beginning of the year could have braked.

As of January 1, the care services rose by 4.5 percent. For example, the so -called care services, i.e. the funds for professional home help for care, care and household services in the home, have increased to 2,200 euros at the highest level of care. The amount for fully inpatient care rose at degree 5 from 2.005 to 2,096 euros.

The contribution rate of long -term care insurance was also raised at the turn of the year, by 0.2 percentage points. The contribution rate ranges from 2.6 percent for people with five children or more up to 4.2 percent for someone without children. For a member of the cash register with a child, he is 3.6 percent.

Cash registers want billions of the countries

A good two weeks before the Bundestag election, VDEK chairman Ulrike Elsner asked the competing parties to keep word. If you then rule, you have to keep the care reliably and affordable. People’s burdens are “too high”, the personal participation is clearly limited.

For this purpose, Elsner asked the countries, among other things, for the full financing of the construction and maintenance of the homes. The head of the association sharply criticized the practice of transferring the costs to those in need of care. The federal states had only paid 876 million euros for this area in 2022, the people in need of care around 4.4 billion euros. A cover of these posts by the federal states alone would relieve those in need of care according to VDEK calculation by an average of 498 euros a month. In general, however, the benefits would have to be dynamized annually and geared towards economic parameters.

What the long -term care insurance fund pays

In contrast to health insurance, long -term care insurance only bears part of the costs incurred. The majority of the costs to be borne by the residents are the own contribution to the nursing costs. As of January 1, this was around 1,496 euros in the first year.

The grants staggered after the length of stay are off. The traffic lights in 2024 had increased the relief surcharge introduced in 2022 in addition to the actual payments of the nursing care fund: The own contribution for pure care has been pressed by 15 instead of 5 percent in the first year, by 30 instead of 25 percent, in the third by 50 45 percent and from 75 percent from the fourth year. In addition, there are still costs for accommodation, meals and investments in the homes for those affected.

800,000 people are cared for in homes

Experts have been calling for further reforms in the care system for years. The background is the increasing number of those in need of care. In December 2023, almost 5.7 million people were in need of care in Germany – after almost 5.0 million in December 2021.

According to the Federal Statistical Office, the strong increase was, among other things, on the effects of a reform in 2017. Since then, people have been classified as need of care than before, such as dementia patients. Almost nine out of ten people in need of care are cared for at home. The number of people in need of care in homes rose slightly by 6,000 to just under 800,000 from December 2021 to 2023.

Lauterbach announced reform

The traffic light coalition no longer achieved a larger care reform before its early end. At the adoption of the adaptations in the Bundestag, Health Minister Karl Lauterbach, who had been adopted since the beginning of the year, painted a mixed picture. The long -term care insurance does not have efficiency reserves. “It is true that there is a need for reform in long -term care insurance,” said Lauterbach last year.

At that time, the SPD politician also announced a further care reform: “In one year we will broaden the basis for the financing of long-term care insurance.” Nothing came of it.

Rules for self-compilation in the nursing home Association of replacement health insurance services of nursing care insurance nursing home search VDEK-LOTE-PROSE AOK nursing home search BKK care finder Home search of the Center for Quality in the care of destatis for the number of Lauterbach in need of care in the Bundestag for care