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Need for care and care levels

If you can no longer cope with everyday life on your own, the question arises: Is there a need for care - and to what extent is support required? This is exactly where the determination of your individual situation comes in. ZF BKK provides you with reliable support along the way.

Health care, home care and nursing care for senior citizens.
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Need for care & care levels

The focus is on the need for help: How severely are independence and abilities in everyday life impaired? Six areas of life - so-called modules - are considered in the assessment:

  1. Mobility
    z.e.g. independent walking or climbing stairs
  2. Cognitive and communicative abilities
    z.e.g. temporal and spatial orientation, conversational skills
  3. Behavioral and psychological problems
    z.e.g. nocturnal restlessness or self-harming behavior
  4. Self-care
    z.e.g. personal hygiene, nutrition, dressing
  5. Dealing with the demands of illness or therapy
    z.e.g. taking medication, visits to the doctor, wound care
  6. Organizing everyday life and social contacts
    z.e.g. daily structure, maintaining relationships

How the classification works

Together with the Medical Service (MD), we check which abilities are still available - and where support is needed. A score is awarded in each module. The sum of all points results in the care level.

The five care levels at a glance

Degree of careImpairment of independencePoints from
IMinor impairment12,5
IIconsiderable impairment27
IIIsevere impairment47,5
IVMost severe impairment70
VMost severe impairment with special requirements90

Special features for children

In the case of children, the need for care is assessed in comparison to healthy, age-appropriate children. Children up to the age of 18 months are automatically classified one care level higher.

Degree of careImpairment of independencePoints from
IISignificant impairment12,5
IIIsevere impairment27
IVMost severe impairment47,5
VMost severe impairment with special requirements70

Your way to the right support - with ZF BKK

Determining the level of care is the basis for all long-term care insurance benefits. We guide you through the entire process - personally, comprehensibly and with the aim of offering you the help that really suits you.