Öko-Test finds hardly good tariffs in the care insurance comparison 2017

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news Öko-Test finds hardly good tariffs in the care insurance comparison 2017 finanzen.de News always well informed Tuesday, 09.05.17 , written by Annabell Meyer A supplementary nursing insurance financially protects people in case of care. Because often the money from the statutory long-term care insurance is not enough for the care costs. However, the magazine Öko-Test in the care insurance comparison 2017 has found only a few good offers. In particular, the tariffs of the state-sponsored Pflege-Bahr fall by the majority. > Im Pflegeversicherung Vergleich 2017 überzeugen nur wenige Tarife Supplementary care insurance in the test with light and shadow

Although benefits from statutory long-term care insurance increased at the beginning of this year for many people, these are still insufficient to cover the actual costs of care. Without private provision, people in need of care often face financial ruin, which can also burden their relatives.

Öko-Test has searched in the care insurance comparison 2017 for the best private care. A carefree future , however, is not automatically guaranteed even with supplementary care insurance, warns the consumer magazine. Because only a few tariffs can convince in the test.

Six fares in the care insurance comparison 2017 very good

In the care insurance comparison 2017 Öko-Test has taken 139 care days tariffs from a total of 31 providers under the microscope. The various offers were checked for model customers who sign the contract at the age of 35 or 65 years . For them, care level 5 required a daily care allowance of at least 60 euros. In a third group, the magazine has tested tariffs that parents pay for their one-year-olds to cover their case of long-term care. You should get a daily rate of at least 100 euros.

For each of the three sample customers only two offers make it to the first rank and thus receive a very good rating. 17 fares are good, more than a third score poor or worse.

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Care insurance comparison 2017: Secure children for care

In the case of private provision for children, the care insurance comparison 2017 shows that this is often already available for a small amount of money. The contributions are relatively low, usually at less than 20 euros per month, as the risk of becoming dependent on care at an early stage is estimated to be comparatively low.

For the two best offers from DKV (PTG) and HUK-Coburg (PT Premium), the premiums range from 11 to 12 euros for a daily allowance of 100 euros. This corresponds to a hedge of 3,000 euros a month. The cheapest nursing day allowance for children is Signal (PflegeSTART). However, the offer for 7.44 euros per month is rated in nursing insurance test only with sufficient.

DKV and Württembergische score as test winners for adults

For both the 35-year-old and the 65-year-old policyholders , DKV's "KPET" rate is one of two test winners. For the younger of the two groups also receives the Württembergische (PTPU) a very good rating. For older customers, on the other hand, another tariff of DKV (PTG) ranks first.

Service: Despite their good results, the test winners do not offer the best protection for every customer. With the care insurance comparison calculator you will find the offer that suits your wishes from a variety of tariffs.

Maintaining Bahr fares fall by the majority

The different tariffs for the Pflege-Bahr in the nursing insurance comparison 2017 are generally poor. Thus, 32 of the 37 tested offers are inadequate or even insufficient. Only Central (Central.pflege) ranks third in both adult groups and achieves the best rating.

A major disadvantage of this insurance for critics such as eco-test is that the insured in case of nursing are insufficiently secured . For example, this form of care provision requires a minimum monthly sum of 600 euros, but this is often insufficient. In particular, if a person in Nursing Degree 5 has severe self-employment problems and is in need of assistance virtually around the clock, the equivalent of 20 Euros per day will not be enough to cover the costs of care.

For some offers in the test, insured persons receive a higher daily allowance of up to 38 euros. However, these around € 1,140 a month are often insufficient. A place in the nursing home costs depending on the place of residence sometimes more than 4,000 euros per month. The nursing care insurances pay a maximum of 2,005 euros for the highest care level. Less benefits from the nursing Bahr remains still own contribution of several hundred euros, which carries the patient himself. Anyone who has the opportunity to arrange unsubsidized long-term care insurance with a correspondingly high long-term care allowance should rather conclude such an offer instead of the Pflege-Bahr.

Here you will find tips and more information on private nursing care insurance. >

Annabell Meyer

editorial staff

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