What is Pflegeversicherung?
Care Insurance (Pflegeversicherung) is part of the social security system and covers you in case of requiring long-term nursing care. Long term nursing care is provided irrespective of your age. You can only make a claim if you have made contributions for at least 2 years in the last 10 year period.
Pflegeversicherung accounts for 3 to 3,5% of your total income (based on the state you work in). You and your employer will split the contributions equally. If you are 23 years old and above and you have no children, you pay a little bit more. This contribution is part of your health insurance, either public or private health insurance.