Pflegeversicherung: Versicherungspflicht für Versicherte in der privaten Krankenversicherung

§§ 23, 25 and 121 of Book XI of the Social Code (SGB XI)

In Germany, every resident must have health and long-term care insurance.

If you are insured with a private health insurance company, you must take out compulsory private long-term care insurance. The contract may also be concluded with another private insurance company. The right to vote must be exercised within 6 months.

Compulsory insurance in private long-term care insurance exists for

• all persons with private health insurance,
• civil servants and persons treated as such,
• persons entitled to health care,
• Members of the Postbeamtenkrankenkasse and the health care of the Bundesbahn.

Under Paragraph 121(1) of SGB XI, any person who, intentionally or recklessly, acts unlawfully

• does not comply with the insurance obligation to conclude or maintain the private long-term care insurance contract pursuant to § 23.1 sentences 1 and 2 SGB XI or § 23.4 SGB XI or the obligation to maintain the private long-term care insurance contract pursuant to § 22.1 sentence 2 SGB XI, and
• is in arrears with the payment of 6 monthly premiums for private long-term care insurance.

The administrative offence can be punished with a fine of up to 2,500.00 euros.

A private health insurance company or other long-term care insurance company.