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State relief surcharges for care costs: A financial expert reveals how insurance companies benefit from them.
According to a report from www.mdr.de, state relief surcharges for those in need of care in care facilities have been introduced since the beginning of 2022. These increase with the duration of care and are intended to reduce costs for those affected. However, it has been shown that the introduction of relief surcharges also has an impact on existing supplementary collective agreements with insurance companies. This leads to dissatisfaction and cuts in services for those in need of care. In the specific case of Uwe Schumann, it was revealed that the insurance companies benefit from the state relief surcharges instead of reducing the actual burden on those in need of care. It became clear that the relief surcharges lead to insurance benefits being reduced. Uwe Schumann was...
State relief surcharges for care costs: A financial expert reveals how insurance companies benefit from them.
According to a report by www.mdr.de, state relief surcharges for those in need of care in care facilities have been introduced since the beginning of 2022. These increase with the duration of care and are intended to reduce costs for those affected. However, it has been shown that the introduction of relief surcharges also has an impact on existing supplementary collective agreements with insurance companies. This leads to dissatisfaction and cuts in services for those in need of care.
In the specific case of Uwe Schumann, it was revealed that the insurance companies benefit from the state relief surcharges instead of reducing the actual burden on those in need of care. It became clear that the relief surcharges lead to insurance benefits being reduced. For Uwe Schumann, the monthly reduction from the insurance was 166.49 euros. This makes it clear that the relief surcharges, at least in part, do not actually provide relief for those in need of care and their relatives.
These developments also have an impact on the market for supplementary care insurance. According to consumer protection experts, such insurance has become significantly less attractive due to the introduction of relief surcharges. Daily care allowance insurance is recommended as an alternative, as the daily care allowance is paid independently of relief surcharges.
Overall, these developments show that government measures to relieve the burden on those in need of care can also have undesirable effects on existing contracts and insurance policies. It is important that such changes are thoroughly analyzed and, if necessary, adjustments are made to ensure actual relief for those affected. The calculations show that the state relief surcharges do not always have the desired effects and in some cases even have negative consequences for those in need of care and their relatives.
Read the source article at www.mdr.de