Pre-insurance period

In order to receive benefits from long-term care insurance, you must have completed a so-called pre-insurance period. This ensures that long-term care insurance is built on a stable contribution basis - and at the same time remains fair for all insured persons.

What is the pre-insurance period?

You are deemed to have fulfilled this requirement if you have been insured with a long-term care insurance fund for at least two years in the ten years prior to submitting your application. This includes both

your own insurance as well as
family insurance, e.g. via parents or spouse

Good to know:
For children, the pre-insurance period is automatically deemed to have been fulfilled if one of the parents fulfills it.

Not insured long enough?

If the pre-insurance period has not yet been completed at the time of your application, benefits will start as soon as the period has been completed. We will be happy to check for you when a new application makes sense.

We clarify your claims - simply and clearly

Are you unsure whether the pre-insurance period has been met? Get in touch with us. We will advise you personally and help you find the right support.