long-term care insurance
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long-term care insurance
A statutory or private insurance policy that covers the costs of support and care for people who depend on help due to age, illness, or disability.
In Deutschland ist die Pflegeversicherung ein Teil des Sozialversicherungssystems.
In Germany, long-term care insurance is part of the social insurance system.
This word is a typical German compound. It consists of 'die Pflege' (care) and 'die Versicherung' (insurance). The meaning can be derived directly: insurance for the case that one needs care.
Ohne eine gute Versicherung kann Pflege sehr teuer werden.
Without good insurance, care can become very expensive.
You can 'private Pflegeversicherung abschließen' (take out private long-term care insurance), must 'Beiträge in die gesetzliche Pflegeversicherung einzahlen' (pay contributions into statutory long-term care insurance), and, if needed, can 'Leistungen aus der Pflegeversicherung erhalten' (receive benefits from long-term care insurance).
Jeder Arbeitnehmer in Deutschland zahlt automatisch in die Pflegeversicherung ein.
Every employee in Germany automatically pays into long-term care insurance.
Long-term care insurance is one of the five pillars of statutory social insurance in Germany. For most people, it is mandatory insurance, just like health or pension insurance.
Die Finanzierung der Pflegeversicherung ist ein wichtiges politisches Thema.
The financing of long-term care insurance is an important political issue.
health insurance fund
'die Krankenkasse' and 'die Pflegeversicherung' both belong to the area of health and insurance. They can be confused because both cover costs when someone needs medical help. The health insurance fund mainly pays for doctor visits, treatments, medication, or hospital costs. Long-term care insurance is important when someone needs ongoing help in everyday life, for example with washing, getting dressed, or eating. In practical terms: for illness and treatment, you first think of 'die Krankenkasse'; for longer-term care, 'die Pflegeversicherung'.
Die Pflegeversicherung hilft, wenn ein Mensch zu Hause regelmäßig betreut werden muss.
Long-term care insurance helps when a person needs regular care at home.
Heute klären wir zu Hause, ob die Krankenkasse die neue Therapie bezahlt.
Today we are checking at home whether the health insurance fund will pay for the new therapy.