Claiming perks from nursing insurance: A guide
In Germany, Compass Private Care Consulting GmbH, an independent subsidiary of the PKV association with approximately 1,000 employees, offers comprehensive guidance for those seeking private long-term care insurance. This article provides a step-by-step guide on how to apply for and receive long-term care insurance services through Compass Private Care Consulting GmbH.
**Application Process**
To apply for private long-term care insurance, you can either contact Compass Private Care Consulting GmbH directly or go through an insurance broker. The process typically involves completing an application form with personal details, health status, and coverage preferences. Given the complexity of private health insurance in Germany, consulting a fee-based advisor or insurance broker is highly recommended to receive personalized guidance and select the best coverage suited for your needs.
**Assessment and Approval**
The insurer will conduct a health assessment or medical underwriting to determine eligibility and insurance premiums. Some insurers may charge risk surcharges based on existing health conditions.
**Insurance Coverage and Premiums**
Long-term care insurance (Pflegeversicherung) is mandatory by law in Germany, and you pay premiums similar to statutory long-term care insurance if you have private health insurance. Additional benefits like sickness benefits insurance are optional but recommended.
**Receiving Services**
Once insured, if you require long-term care, you would file a claim with the insurer. This often involves submitting medical documentation and having your care needs evaluated, possibly by an independent assessor arranged by the insurance company. Approved care services can be provided at home or in assisted living facilities, depending on the insurance plan and your needs.
**Expert Consultation**
Since private health and long-term care insurance products in Germany have complex options and regulations, expert help is strongly advised. An insurance broker or advisor can help with comparing plans, transferring provisions if switching providers, and navigating claims.
**Contacting Compass Private Care Consulting GmbH**
Because Compass Private Care Consulting GmbH is a private company offering health insurance consulting rather than a standard insurer, you may first engage with them as consultants who will help identify suitable private long-term care insurance providers and coverage options for you. To apply for insurance coverage, you would follow the consultant's guidance to contact those insurers directly.
**Summary**
In summary, the recommended approach is to contact Compass Private Care Consulting GmbH directly to inquire about their specific process for private long-term care insurance application and access to services. They may provide tailored consulting and facilitate application with selected insurance companies. For precise steps, reaching out to the company or a German insurance expert is necessary.
Other important aspects to consider include the care dependency condition, the claim to services only existing if a membership in the social or private long-term care insurance has existed for at least two years within the last ten years, and the availability of home care services, respite care, support services, and day care for care-dependent persons.
[1] Source: [www.pflegeberatung.de](http://www.pflegeberatung.de) [2] Source: [www.germanhealthcare.com](http://www.germanhealthcare.com)
- For those seeking guidance in health-and-wellness matters, especially regarding private long-term care insurance, Compass Private Care Consulting GmbH is an informed resource that offers personalized advice and consultation services.
- While private long-term care insurance is mandatory in Germany, navigating personal-finance aspects like insurance premiums and optional benefits like sickness benefits insurance can be complex, making expert consultation essential.
- In terms of education-and-self-development, understanding the benefits and intricacies of various science-based therapies-and-treatments and their impact on health is crucial when considering long-term care.
- By familiarizing oneself with the fitness-and-exercise practices encouraged by science, individuals can better ensure their long-term health and wellness, reducing the potential need for long-term care services.
- Saving for long-term care insurance, especially given Medicare's limitations in covering long-term care expenses, is an essential aspect of personal-finance planning, and consulting finance professionals for advice can be useful in this regard.
