How much do I have to pay for long-term care insurance?

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 2026 (not including Saxony)
Insuree group	Contribution rates as of 1 January 2026
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 share 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%)

Saxony: Long-term care insurance contributions as of 1 January 2026
Insuree group	Contribution rates as of 1 January 2026
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 total contributions for long-term care insurance as of 1 January 2026 in EUR
Your income subject to contributions (EUR)	No childrenContribution rate with surcharge for childless insurees 4.2%	At least 1 childGeneral contribution rate 3.6%	2 childrenGeneral contribution rate 3.6% - 0.25% = 3.35%	3 childrenGeneral contribution rate 3.6% - 0.5% = 3.1%	4 childrenGeneral contribution rate 3.6% - 0.75% = 2.85%	5 childrenGeneral contribution rate 3.6% - 1.0% = 2.6%
Minimum income1,318.33	55.37	47.46	44.16	40.87	37.57	34.28
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,,812.50*	244.13	209.25	194.72	180.19	165.66	151.13
6,000.00	244.13	209.25	194.72	180.19	165.66	151.13

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