Own shares for people in need of care in the home continue to increase


For years, the costs for nursing home residents and relatives have known only one direction: upwards. The trend continues unabated – this increases the pressure to take political countermeasures.

Berlin (dpa) – In need of care, care in the home is becoming increasingly expensive. On a nationwide average, the shares to be paid now rose above the 2000 euro mark per month, as can be seen from data from the Association of Substitute Health Insurance Funds as of July 1st.

Accordingly, an average of 2015 euros is now due, which is 124 euros more than in mid-2019. However, there are still regional differences. In the comparison of the federal states, home places in North Rhine-Westphalia remain the most expensive at an average of 2405 euros. In contrast, the burden in Saxony-Anhalt is the lowest at 1436 euros. Health insurance companies and patient protectors are pressing for a financial reform.

On the one hand, the totals include the own contribution for pure care and support. Because long-term care insurance – unlike health insurance – only bears part of the costs. For residents, there are also costs for accommodation, meals and also for investments in the facilities. The own contribution for pure care only rose to an average of 786 euros per month in Germany after 693 euros as of July 1, 2019.

Own shares per federal state

It is the highest nationwide in Baden-Württemberg with an average of 1062 euros. This is followed by Berlin with 992 euros and Bavaria with 938 euros. On the other hand, it is significantly less in Thuringia with 490 euros, in Saxony-Anhalt with 560 euros and in Saxony with 595 euros. There is also a wide range of costs for accommodation and meals nationwide: from 588 euros in Saxony-Anhalt to 1036 euros in North Rhine-Westphalia. The national average is 774 euros.

The head of the Association of Replacement Funds (vdek), Ulrike Elsner, asked to tackle the problem in a care reform. One solution that could be implemented in the short term would be to increase the benefit amounts of long-term care insurance once, she told the German Press Agency. That could compensate for additional costs through higher wages in homes. The countries would finally have to bear the investment costs. Elsner also emphasized: “As the financial situation of long-term care insurance is becoming increasingly difficult, we need a permanent tax subsidy.” Promised one-time 1.8 billion euros due to the Corona crisis could only temporarily ease the situation.

Federal Minister of Health Jens Spahn (CDU) wants to restart the debate about a fundamental care reform in autumn – after this has largely moved into the background in the corona crisis. Then it should also be clear how the pandemic will affect the social security funds.

The German Foundation for Patient Protection urged Tempo. «Care makes you poor. This has been known for years, »said board member Eugen Brysch of the dpa. “Many of the 818,000 residents live on the gums for a long time.” Spahn’s hesitation is inexplicable. “After all, he can’t have sent all of the nursing staff short-time work because of Corona.” Eligible wage increases in elderly care could no longer be borne by those in need of care.


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