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.
| Insuree group | Contribution rates as of 1 January 2025 |
|---|---|
| without children aged 23 and over | 4,2 % (employee's share 2,4 %) |
| with 1 child and insurees under the age of 23 | 3,6 % (employee's sharel 1,8 %) |
| with 2 children under the age of 25 | 3,35 % (employee's share 1,55 %) |
| with 3 children under the age of 25 | 3,1 % (employee's share 1,3 %) |
| with 4 children under the age of 25 | 2,85 % (employee's share 1,05 %) |
| with 5 or more children under the age of 25 | 2,6 % (employee's share 0,8 %) |
| Insuree group | Contribution rates as of 1 January 2025 |
|---|---|
| without children aged 23 and over | 4,2 % (employee's share 2,9 %) |
| with 1 child and insurees under the age of 23 | 3,6 % (employee's share 2,3 %) |
| with 2 children under the age of 25 | 3,35 % (employee's share 2,05 %) |
| with 3 children under the age of 25 | 3,1 % (employee's share 1,8 %) |
| with 4 children under the age of 25 | 2,85 % (employee's share 1,55 %) |
| with 5 or more children under the age of 25 | 2,6 % (employee's share 1,3 %) |
| 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 | 52.43 | 44.94 | 41.82 | 38.70 | 35.58 | 32.46 |
| 2,000.00 | 84.00 | 72.00 | 67.00 | 62.00 | 57.00 | 52.00 |
| 3,000.00 | 126.00 | 108.00 | 100.50 | 93.00 | 85.50 | 78.00 |
| 4,000.00 | 160.00 | 144.00 | 134.00 | 124.00 | 114.00 | 104.00 |
| 5,000.00 | 210.00 | 180.00 | 167.50 | 155.00 | 142.50 | 130.00 |
| 5,512.50* | 231,53 | 198,45 | 184.67 | 170.89 | 157.11 | 143.33 |
| 6,000.00 | 231,53 | 198,45 | 184.67 | 170.89 | 157.11 | 143.,33 |
*This amount is the contribution assessment ceiling. Contributions do not increase above this maximum limit.