Assumption of costs
When care suddenly becomes an issue, many questions arise, especially: Who will cover the costs? Find out here in compact form what financial assistance is available and how we can support you in settling accounts with care and health insurance companies.
Benefits from the long-term care insurance fund
The following table shows the benefits provided by the long-term care insurance fund depending on your needs. All information relates to statutory long-term care insurance and applies nationwide.
| Benefits from the long-term care insurance funds | Monthly/annual budget of the care insurance funds | ||||
|---|---|---|---|---|---|
| Care level 1 | Care level 2 | Care level 3 | Care level 4 | Care level 5 | |
| Relief service* | 131 € | 131 € | 131 € | 131 € | 131 € |
| Preventive care** per calendar year | - | 3.539 € | 3.539 € | 3.539 € | 3.539 € |
| Care allowance | - | 347 € | 599 € | 800 € | 990 € |
| Conversion entitlement of the benefit in kind amount (max. 40%) | - | max. 318,40 € | max. 598,80 € | max. 743,60 € | max. 919,60 € |
| Care benefits in kind, home care | - | 796 € | 1.497 € | 1.859 € | 2.299 € |
| Care aids intended for consumption (HiP) | 42 € | 42 € | 42 € | 42 € | 42 € |
| Home emergency call | 25,50 € | 25,50 € | 25,50 € | 25,50 € | 25,50 € |
| Measures to improve the living environment per calendar year (budget increases if several beneficiaries live together) | 4.180 € | 4.180 € | 4.180 € | 4.180 € | 4.180 € |
* new relief amount
**includes short-term care (relief budget)
Status September 2025
Billing via the care insurance fund
Since the reform by the Care Reinforcement Act II (§§ 14-45b SGB XI), people in need of care have had more resources available for outpatient assistance, not only for physical limitations, but also for support in everyday life.
Caregiving relatives may commission approved care and support services. The care insurance fund covers the costs on a pro rata basis, depending on the level of care.
Billing via the health insurance company
Services can also be claimed without a care degree, via a doctor's prescription in accordance with § 37 Para. 1a SGB V.
This applies, for example, in the event of serious illness, after a stay in hospital or during pregnancy and enables household-related help or care. The statutory health insurance fund covers the costs - we provide support with the application and processing.
Care allowance
If care is provided in a private setting, the care insurance fund pays a monthly care allowance depending on the level of care. It is freely available and supports the caregiver.
Relief service
People in need of care with at least care level 1 receive €131 per month to relieve their everyday life. This amount can be used for household assistance, shopping or care, but only through recognized service providers such as us. The amount cannot be paid out and expires if it is not used by June 30 of the following year at the latest.
Flexible relief budget
Private caregivers do a great job every day - but they also need time off, be it for vacation, recuperation or illness. To ensure that care in the home environment remains reliable, we support you with our respite and short-term care benefits. These are available from care level 2 and offer a joint annual budget of up to €3,539. You can use this flexibly to deploy our trained helpers on an hourly or daily basis to take care of the household, shopping, laundry or other everyday tasks. We also accompany and support people in need of care with their daily activities so that carers can enjoy a well-earned break with peace of mind.
Frequently asked questions about cost coverage
Who covers the costs of domestic help?
Depending on the individual situation, the costs of home help can be covered by health insurance or long-term care insurance. In the case of acute illness or after medical interventions and if there is a doctor's prescription, the health insurance fund usually pays. If there is a recognized need for care, the costs can be settled via the care insurance fund.
We support you in checking the requirements, submitting the prescription correctly and communicating with your health insurance or care insurance provider. This means that you receive professional household support quickly and easily while you can concentrate on your recovery or care.
What is required for the costs to be covered?
To cover the costs of domestic help, you generally need either a doctor's prescription confirming the medical necessity of domestic help and approval from your health insurance fund, or an approved care degree.
We provide you with comprehensive advice on your individual options and accompany you every step of the way - from the application and submission of the necessary documents to the clarification of all formalities with your health or care insurance fund. In this way, we ensure that you receive the necessary household support quickly and easily.
How do I apply for household help?
The application for cost coverage must be submitted directly to the health insurance fund or care insurance fund. A doctor's prescription for home help is usually sufficient for the health insurance fund to approve household assistance. For long-term care insurance, you need an approved care level - in this case, you are automatically entitled to household help and a separate application is not required.
We provide you with comprehensive support in all bureaucratic matters, check your documents and coordinate the formalities with the health insurance company or care insurance fund. This means that your home help can get started quickly and easily, and you will receive professional support in your everyday life without delay.
How long does the health insurance fund cover the costs of domestic help?
The duration of the cost coverage depends on your individual needs and the approval of your health insurance provider. In the case of acute illnesses or following medical interventions, home help is generally approved for the period during which you are unable to manage the household independently.
If you are in need of care, the services can be used on a permanent or recurring basis as long as you have a recognized care degree and the respective budget, for example the relief amount according to § 45b SGB XI, has not been fully exhausted. We support you in making the best possible use of the benefits and in efficiently planning household help so that your everyday life is reliably relieved.
Do I have to pay for the domestic help myself first?
In most cases, we settle the costs for your home help directly with your health insurance or care insurance fund. This means that you do not have to pre-finance the service yourself.
If a co-payment is necessary in exceptional cases, we will inform you transparently about the amount in advance so that no unexpected costs arise. In this way, you can use your home help without any worries, receive quick relief in everyday life and can concentrate fully on your recovery or care.