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 July 2023 (not including Saxony)

Insuree group

Previous contribution rates


Contribution rates as of 1 July 2023

without children aged 23 and over

3,40 % (employee's share 1,875 %)

4,0 % (employee's share 2,3 %)

with 1 child and insurees under the age of 23

3,05 % (employee's share 1,525 %)

3,4 % (employee's sharel 1,7 %)

with 2 children under the age of 25

3,05 % (employee's share 1,525 %)

3,15 % (employee's share 1,45 %)

with 3 children under the age of 25

3,05 % (employee's share 1,525 %)

2,9 % (employee's share 1,2 %)

with 4 children under the age of 25

3,05 % (employee's share1,525 %)

2,65 % (employee's share 0,95 %)

with 5 or more children under the age of 25

3,05 % (employee's share 1,525 %)

2,4 % (employee's share 0,7 %)

Saxony: Long-term care insurance contributions as of 1 July 2023

Insuree group

Previous contribution rates

Contribution rates as of 1 July 2023

without children aged 23 and over

3,40 % (employee's share 1,875 %)

4,0 % (employee's share 2,8 %)

with 1 child and insurees under the age of 23

3,05 % (employee's share 1,525 %)

3,4 % (employee's share 2,2 %)

with 2 children under the age of 25

3,05 % (employee's share 1,525 %)

3,15 % (employee's share 1,95 %)

with 3 children under the age of 25

3,05 % (employee's share 1,525 %)

2,9 % (employee's share 1,7 %)

with 4 children under the age of 25

3,05 % (employee's share 1,525 %)

2,65 % (employee's share 1,45 %)

with 5 or more children under the age of 25

3,05 % (employee's share 1,525 %)

2,4 % (employee's share 1,2 %)

Your total contributions for long-term care insurance as of 1 July 2023 in EUR

Your income subject to contributions (EUR)

No children

Contribution rate with surcharge for childless insurees 4,0 %

At least 1 child

General contribution rate 3,4 %

2 children

General contribution rate 3,4 % - 0,25 % = 3,15%

3 children

General contribution rate 3,4 % - 0,5 % = 2,9%

4 children

General contribution rate 3,4 % - 0,75 % = 2,65%

5 children

General contribution rate 3,4 % - 1,0 % = 2,4%

Minimum income

1.131,67

45,27

38,48

35,65

32,82

29,99

27,16

2000,00

80,00

68,00

63,00

58,00

53,00

48,00

3000,00

120,00

102,00

94,50

87,00

79,50

72,00

4000,00

160,00

136,00

126,00

116,00

106,00

96,00

4987,50*

207,00 

175,95

157,11

144,64

132,17

119,70

5000,00

207,00 

175,95

157,11

144,64

132,17

119,70

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