[et_pb_section bb_built=”1″ admin_label=”Header” custom_padding_last_edited=”on|desktop” disabled_on=”off|off|off” _builder_version=”3.21″ use_background_color_gradient=”on” background_color_gradient_start=”rgba(0,79,140,0.34)” background_color_gradient_end=”rgba(0,56,94,0.9)” background_color_gradient_type=”radial” background_color_gradient_direction_radial=”top left” background_color_gradient_end_position=”50%” background_color_gradient_overlays_image=”on” custom_padding=”10vh|0|12vh||false|false” custom_padding_tablet=”10vh||10vh||false” custom_padding_phone=”5vh||5vh||false” top_divider_style=”wave2″ top_divider_color=”rgba(12,113,195,0.11)” top_divider_height=”750px” top_divider_flip=”horizontal” bottom_divider_style=”curve” bottom_divider_color=”#ffffff” bottom_divider_height=”3vw” bottom_divider_flip=”vertical” next_background_color=”#ffffff” global_module=”210272″][et_pb_row global_parent=”210272″ _builder_version=”3.21″ collapsed=”off”][et_pb_column type=”4_4″][et_pb_post_title global_parent=”210272″ meta=”off” featured_image=”off” text_color=”light” _builder_version=”3.21.4″ z_index_tablet=”500″ /][/et_pb_column][/et_pb_row][/et_pb_section][et_pb_section bb_built=”1″ admin_label=”History” disabled_on=”off|off|off” _builder_version=”3.21″ disabled=”off” next_background_color=”#000000″ prev_background_color=”#000000″][et_pb_row custom_padding=”27px|0px|0|0px|false|false” _builder_version=”3.21″][et_pb_column type=”1_5″][et_pb_divider color=”rgba(0,0,0,0.08)” divider_position=”bottom” divider_weight=”2px” _builder_version=”3.21″ animation_style=”slide” animation_direction=”right” locked=”off” /][/et_pb_column][et_pb_column type=”3_5″][et_pb_text _builder_version=”3.21.4″ header_2_font_size_last_edited=”off|desktop” text_orientation=”center” max_width=”600px” module_alignment=”center” z_index_tablet=”500″]

Was ist eine private Pflegeversicherung?

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Laut dem Bundesministerium für Gesundheit waren Ende 2017 71,95 Millionen Menschen in einer sozialen Pflegeversicherung versichert. Privat waren es 9,32 Millionen. Davon bezogen 2,93 Millionen Menschen bereits Leistungen. (Zahlen und Fakten)

Zusätzlich steigt die Anzahl der Demenzerkrankungen. Laut der Deutschen Alzheimer Gesellschaft e.V. treten jedes Jahr 300.000 Neuerkrankungen auf. Bis 2050 sollen drei Millionen Menschen an Demenz erkrankt sein. (Infoblatt Demenzerkrankungen)

Mit den Pflegestärkungsgesetzen ist Demenzkranken der Eintritt in eine Pflegeversicherung erleichtert worden. Seit Januar 2017 haben fünf Pflegegrade die Pflegestufen abgelöst. Anhand der folgenden Kriterien werden Patienten eingestuft:

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  1. Selbstversorgung
  2. Soziale Kontakte und die Gestaltung des täglichen Lebens
  3. Wie mobil ist der Kunde?
  4. Fähigkeit zum eigenständigen Denken und zur Kommunikation
  5. Umgang mit der Krankheit – Therapie, Belastung, bestimmte Anforderungen
  6. Wie verhält er sich? Gibt es psychische Probleme?

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Was leistet eine private Pflegeversicherung?

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Die private Pflegeversicherung ist eine Ergänzung zur gesetzlichen Variante und darum sinnvoll, weil diese nur einen Teil der Kosten abdeckt. Für gewöhnlich existieren drei Varianten des privaten Schutzes: Die Pflegetagegeld-Versicherung, die Pflegekostenversicherung und die Pflege-Rentenversicherung. Erstere sichert dem Versicherten einen vereinbarten Tagessatz pro Pflegetag zu. Die Pflegekostenversicherung deckt der Versicherer pauschal einen Teil der Pflegekosten ab, wobei hier auch die Leistungen der gesetzlichen Pflegeversicherung miteinberechnet werden. Bei der Pflegerentenversicherung wiederum erhält der Versicherte eine monatliche Rente, sobald die Pflegebedürftigkeit eintritt.

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