Long-term care insurance (public)
Age groups, certification, covered services, copayments, and uncovered facility costs.
Residents are insured for long-term care from age 40; certified users generally pay 10%–30% of covered services, while meals, housing, upgrades, and services beyond limits remain out of pocket.
Benefits may vary by: age group · care level · income · municipality
Get professional or administrator help: Contact your municipal care-insurance desk or a care manager for certification and service planning.
Review due: 2026-10-30
Key points
- Age 65+ eligibility is based on assessed need; ages 40–64 cover only specified conditions.
- Certification determines the care level and monthly benefit limit.
- Copayments are income-based, generally 10%–30%.
- Facility food and housing are not fully covered by the public system.
What private care cover adds
Private nursing-care insurance can add a lump sum or annuity for the uncovered costs, but only when the insured reaches a contract-defined care state or public care level. Compare it against a dedicated care reserve and the actual gap after public benefits.
Who this is for
- Residents mapping protection before shopping for private insurance
What this is not
- A quote, policy ranking, or individualized recommendation
- Eligibility, contributions, waiting periods, exclusions, and benefit amounts can vary. Confirm your case with the administering insurer or authority before acting.