An operation or serious illness can have a significant impact on daily life and limit a person's ability to manage their household. In such situations, home help can be invaluable for people who have had surgery. In this guide, we will look at the importance of home help for people who have had surgery, the requirements for entitlement to home help in accordance with §38 SGB V and provide information on cost coverage and financing.
Importance of household help for people who have undergone surgery
After an operation or serious illness, many people need support with everyday household tasks. Physical recovery is paramount and it is important that people who have had surgery can recover sufficiently. A home help can help to keep the household tidy, do the cleaning, go shopping and assist with other tasks that are made more difficult due to recovery.
By relieving the burden in the household, people who have undergone surgery can concentrate on their recovery and return to full health more quickly. Please note: Domestic help for people who have had surgery can only be subsidized or covered if there is no other person living in the household who could take care of the household.
Relevance of home help after accidents or serious illnesses
Accidents or serious illnesses can occur unexpectedly and turn life upside down. In such situations, it is often necessary to adapt everyday life and accept support. A home help can play an important role at this time to relieve the burden on those affected and help them to manage the household.
Particularly after accidents or operations that result in physical limitations, domestic help is often indispensable to support recovery and facilitate a return to normality.
Entitlement to household help in accordance with §38 SGB V
According to §38 of the German Social Code (SGB V), those insured under the statutory health insurance scheme are entitled to household help under certain conditions. The following requirements must be met in order to claim this entitlement:
- Being "head of household" and previous responsibility in the household
The insured person must have been in charge of the household and responsible for organizing and carrying out the tasks involved. - No other adult in the household can take on the tasks required
There must be no other adult in the household who is able to take on the household tasks. - Health insurance with statutory health insurance
Only those insured with statutory health insurance are entitled to household help. - Limited duration of home help
The assumption of the costs of domestic help is limited to six weeks for people who have had surgery.
Assumption of costs and financing of household help for people who have had surgery
The costs of home help can be covered by health insurance or long-term care insurance, depending on the individual situation of the insured person.
Costs of household help covered by health insurance
The health insurance fund usually covers the costs of domestic help if the above-mentioned requirements are met. However, it is important to obtain the approval of the health insurance company beforehand and to clarify the entitlement. To do this, the policyholder must submit a written application for cost coverage to the health insurance company. However, you do not have to do this yourself. Professional home help service providers like us will take care of all the correspondence and processing with your health insurance company. This leaves time for the important things: Your recovery.
Simply and conveniently contact our customer service team using the contact form on the right or contact us here.
Entitlement to household help in the event of a need for care or after operations
If you are in need of care or have undergone surgery, you can also claim benefits from the long-term care insurance fund in addition to your health insurance. These include the relief amount, respite care or 40% of care benefits in kind. The exact basis for benefits may vary from person to person, so it is advisable to obtain information from the relevant care insurance fund or to consult a care advisor.
Billing with the care insurance fund and various benefit bases
Billing with the care insurance fund is carried out directly by the service provider, provided the requirements are met. The exact basis for benefits is determined by the care insurance fund and can vary depending on the level of care. It is advisable to contact the care insurance fund in advance to find out about the specific benefits and billing options.
Respite allowance and respite care for people in need of care
People in need of care with a care degree are entitled to the relief amount, which can be used to finance household-related services. In addition, respite care can be claimed if the caregiver is temporarily absent and replacement care is required.
Find professional domestic help
There are various ways to find professional domestic help. Here are some options:
- Agencies for domestic help and care services There are agencies that specialize in finding domestic help and care services. These agencies can help you find suitable domestic help.
- Individual search: You can also hire domestic help yourself. However, there are various legal and tax aspects to consider, as you are then acting as an employer. You can find out more about domestic help and taxes here.
Domestic help: Qualifications and requirements
Certain qualifications and requirements are needed to work as a domestic helper. When choosing a suitable domestic helper, look out for the following characteristics. Here are some examples:
- Secondary school leaving certificate or equivalent qualifications
As a rule, a secondary school leaving certificate or equivalent qualification is expected. This serves as a basis for basic skills in reading, writing and understanding instructions. - Professional experience in maintenance cleaning and domestic help
Experience in maintenance cleaning and domestic help is an advantage. This includes knowledge of cleaning techniques, handling cleaning products and carrying out everyday household tasks. - Language skills: German
As communication with the persons to be cared for and possibly other family members is important, a good knowledge of German is expected.
Advantages of domestic help
A home help offers various advantages for people who have undergone surgery:
- Relief in everyday life and support with household chores
With the support of a home help, people who have undergone surgery can be relieved and concentrate on their recovery. Household chores and everyday tasks are taken over by the home help. - Time for recovery and recuperation after surgery
A home help enables people who have undergone surgery to take sufficient time to recover and recuperate. By taking over the household, those affected can use their energy for their health. - Professional care and nursing for older people
Older people who have undergone surgery in particular can benefit from home help. In addition to household support, a home help can also provide professional care and nursing.
Home help for people who have had surgery: Summary
Domestic help for people who have undergone surgery can be a valuable support in running the household and giving those affected the time they need to recover. The entitlement to a home help can be claimed in accordance with §38 SGB V, and the costs are covered by the health insurance fund or the care insurance fund, depending on the individual situation. There are various ways to find professional home help, such as Agencies for domestic help and care services or searching for job advertisements. The advantages of a home help include relief in everyday life, time for rest and recuperation as well as professional care and nursing for older people.
