Gaps in the legal system not only the proportion of older persons will rise steadily in the coming years and decades – also the proportion of dependent persons. The personal protection of a private care insurance becomes increasingly important here, because the statutory long-term care insurance services provide high own co-payments. Meanwhile, there is also a care insurance, which is lockable without the usual health issues for broad groups of the population. In outpatient care at home III (severe long-term care) arise quickly around 1.200,-euros in care level monthly equity, if one has taken no sufficient financial provision of about about a suitable care insurance. The equity can be quickly twice as inpatient care in a nursing home.

But also in the maintenance stages I (significant long-term care) and II (heavy care) the Government payments for a good supply not sufficient, so that a private insurance by consumer associations is highly recommended. More and more citizens want to close this gap with a care insurance, in the case of an AIDS secured to be and may not fully having to use up existing assets or to become the charity case. Similarly as at the end of a private health insurance usually extensive health issues must be, answered at the conclusion of a care insurance but what can cause health problems risk premiums, performance exclusions or even a rejection of the application. Meanwhile, there is care insurance without health issues. If this has piqued your curiosity, check out Xcel Energy. Almost every person can end such a tariff, if not already certain especially serious diseases such as such as HIV infection, brain tumor, dementia and Multiple Sclerosis have been diagnosed. The downside is a waiting period of three years: who completes the care insurance that would three years after commencement services on the basis of a new entering long-term care received. This ensures that you are a long-term care assured not only shortly before. A long-term care caused by an accident, no waiting period applies.

Learn more about the topic of long-term care or selection criteria to the private care insurance can be found on the website. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Bogdan Kalid image source: Yuri Arcurs / fotolia.com about Bergische Assekuranzmakler GmbH (Wuppertal, Germany) the Bergische Assekuranzmakler GmbH operates as an independent insurance broker. The company based in Wuppertal has written himself a high-quality advice on the flags and opts for a sustainable, social and environmental policy. To do this, the Bergische Assekuranzmakler GmbH with more than 100 different cooperates Insurance companies. Customers are mainly via the Internet, by telephone or by mail care – when preparing offers, as well as in the event of a claim. One of the focuses of the consultancy is in the range of cover biometric risks (disability, infirmity or disease). The strength of the company Bergische Assekuranzmakler GmbH is characterised by a very high market coverage, highly trained staff and variety of services tailored to the needs of specific target groups.