Combined care

If you receive care from both a private individual and a care service, you have the option of combining a care allowance with care benefits in kind. Combined care is a suitable option if care is organised by a private individual (e.g. a family member), but certain aspects of care, such as morning hygiene, are provided by a care service. If the care service does not use its full budget and a private individual provides care services, we will pay an additional proportionate care allowance.

How to find a suitable care service:

With the BBK Pflegefinder, you can search specifically for approved care services, access information and compare the various options directly.

Our checklist helps you choose the right care service.

Checklist for home care services(in German only)

How much are the monthly benefits?

The amount depends on your care level. Discover all the other benefits relevant to your care level here.

Example of how the proportionate care allowance is calculated: If, for care level 2, only 40% of the care benefits in kind (i.e. €318.40 of the total entitlement of €796) has been used, the care allowance can still be paid out at a rate of 60% (i.e. €208.20 of the total entitlement of €347).

1. To qualify for combined care, you must submit an application to assess your care needs; the easiest way to do this is online via Meine SBK. Application for long-term care insurance(in German only)

Application in Meine SBK

2. You must also inform us that you wish to claim combined care or switch your current benefits to combined care. Application to switch my care benefits(in German only)

3. You enter into a contract with the care service and specify which care benefits you wish to claim each month.

4. The care service sends us a monthly statement of the services provided. We calculate the proportionate care allowance and transfer it to your account.