L&M Pflegecheck

What Does Care Cost?

Transparent information about care costs and insurance benefits 2025

Pflegecheck is Free

Our service is and remains completely free for families.

Care Insurance Benefits 2025

Official amounts from the Federal Ministry of Health

BenefitCG 1CG 2CG 3CG 4CG 5
Care Allowance
monthly
-€347€599€800€990
Care Services
monthly
-€796€1,497€1,859€2,299
Relief Allowance
monthly
€131€131€131€131€131
Respite Care
yearly, combined
-€3,539€3,539€3,539€3,539
Day/Night Care
monthly, additional
-€724€1,363€1,693€2,095
As of: January 1, 2025, BMG

Average Care Costs

Reference values in Germany (varies by region)

Home Care

Hourly care

€25 - €55
per hour

Day Care

Partial inpatient care

€45 - €90
per day

24-Hour Care

Live-in care

€2,500 - €4,500
per month

Nursing Home

Full inpatient care

€2,000 - €3,500
own contribution/month

Cost Calculator

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Care Cost Calculator

Calculate your monthly care costs and see what insurance covers.

Significant impairment of independence (27–47.5 points)

10h
1h20h40h
€35/h
€25Average€55
Total Cost
€1,516 / month
Insurance Coverage
-€927 (61% covered)
Your Contribution
€589 / month
InsuranceOwn contribution

Additional Benefits

Relief Allowance
€131 / month
Respite Care
€3,539 / year

FAQ

Who pays for care costs?

Care insurance covers part of the costs, depending on the care grade. The rest is your contribution that you or your family pay.

What is the difference between care allowance and care services?

You receive care allowance when family members provide care. Care services are paid directly to professional care providers. A combination is possible.

What is the relief allowance?

The relief allowance of 131 euros per month is available to all care recipients from care grade 1. It can be used for daily assistance, supervision, or household help.

What does Pflegecheck cost?

Pflegecheck is completely free for families and care recipients. We are funded by providers, not by those seeking care.

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