• Industry: Healthcare
  • Type: Survey report
  • Date: 5/21/2013


An overview of long term systems for the elderly and future direction.

Current long term care system for elderly

In Germany,1,2,3 long term care is provided under a mandatory insurance system, through a long term care insurance scheme.

Program and nature of coverage

The long term care insurance scheme is independent of the mandatory public health insurance scheme – the Statutory Health Insurance (SHI). The scheme is mandatory and covers everyone, subject to payment of insurance premium for a minimum of 2 years.

Nature of benefit coverage

Benefits under the scheme can be claimed either in kind or as cash payments. Social long term care insurance covers home care and institutional care.

Source of funding

The LTCI scheme is funded through income-based insurance contribution, deducted from salary.

Reforms initiated/ future direction

Government bodies and private associations in Germany are working toward building a multi-tier model to provide a sustainable financing mechanism for nursing and long term care insurance. This would enable affordable care that meets individual needs.

1International Profiles of Health Care Systems (PDF 1 MB), The Commonwealth Fund, 2010
Accessed 3 June 2012.

2Germany’s Long Term Care Insurance System, CARP, October 2011
Accessed 3 June 2012.

3International Profiles of Health Care Systems (PDF 1.2 MB), The Commonwealth Fund, 2011
Accessed 5 June 2012.


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