How much you have to pay depends on whether and how many children you have. The age of the children is also relevant. Higher contributions to long-term care insurance contributions were introduced on 1 July 2023 in order to provide better services for both those in need of care and their family members.

More details

Insurees without children pay a surcharge in addition to the general long-term care insurance contribution rate. Parents with several children pay less: their contributions decrease with each child. As of the 2nd and up to the 5th child the contribution rate is reduced by 0.25 contribution rate points per child. 

Long-term care insurance contributions as of 1 January 2025 (not including Saxony)
Insuree groupContribution rates as of 1 January 2025
without children aged 23 and over4.2% (employee's share 2.4%)
with 1 child and insurees under the age of 233.6% (employee's share 1.8%)
with 2 children under the age of 253.35% (employee's share 1.55%)
with 3 children under the age of 253.1% (employee's share 1.3%)
with 4 children under the age of 252.85% (employee's share 1.05%)
with 5 or more children under the age of 252.6% (employee's share 0.8%)
Saxony: Long-term care insurance contributions as of 1 January 2025
Insuree groupContribution rates as of 1 January 2025
without children aged 23 and over4.2% (employee's share 2.9%)
with 1 child and insurees under the age of 233.6% (employee's share 2.3%)
with 2 children under the age of 253.35% (employee's share 2.05%)
with 3 children under the age of 253.1% (employee's share 1.8%)
with 4 children under the age of 252.85% (employee's share 1.55%)
with 5 or more children under the age of 252.6% (employee's share 1.3%)
Your total contributions for long-term care insurance as of 1 January 2025 in EUR
Your income subject to contributions (EUR)

No children

Contribution rate with surcharge for childless insurees 4.2%

At least 1 child

General contribution rate 3.6%

2 children

General contribution rate 3.6% - 0.25% = 3.35%

3 children

General contribution rate 3.6% - 0.5% = 3.1%

4 children

General contribution rate 3.6% - 0.75% = 2.85%

5 children

General contribution rate 3.6% - 1.0% = 2.6%

Minimum income

1,248.33

52.4344.9441.8238.7035.5832.46
2,000.0084.0072.0067.0062.0057.0052.00
3,000.00126.00108.00100.5093.0085.5078.00
4,000.00160.00144.00134.00124.00114.00104.00
5,000.00210.00180.00167.50155.00142.50130.00
5,512.50*231.53198.45184.67170.89157.11143.33
6,000.00231.53198.45184.67170.89157.11143.33

*This amount is the contribution assessment ceiling. Contributions do not increase above this maximum limit.