You can rely on your BKK W&F not only in cases of illness but also when care is needed. As a member of BKK W&F, you can access all benefits of long-term care insurance. You automatically enjoy the protection of the BKK Care Fund – regardless of whether you are voluntarily, compulsorily, or family insured.
Prerequisites
- The affected person is permanently in need of care, meaning for more than six months. This implies that they cannot independently compensate for or cope with physical, mental, or emotional impairments, health-related burdens, or demands.
- The person in need of long-term care must have been insured with a long-term care insurance fund for at least two years during the ten years prior to filing the application.
- For children covered under a family insurance policy, this period begins when the insured parent meets this requirement.
Determination of the Need for Care
A person’s need for care is determined based on the assessment of six areas, known as modules.
In each module, points are assigned and factored into an overall assessment with varying weightings (as percentages). For Modules 2 and 3, only the module with the higher score is used for the assessment. Based on the total score, patients are classified into one of five care levels.
| Modules | Weighting |
|---|---|
| 1: Mobility This module assesses physical mobility, for example, whether the affected person can independently change their body position (e.g., while lying down), maintain a stable sitting position, or move around their home without the assistance of another person. | 10 % |
| 2: Cognitive and communicative abilities Only abilities related to comprehension and speech are considered here. The assessment evaluates whether the individual can navigate their surroundings, recognize people in their immediate environment, choose clothing appropriate for the weather, or perform tasks in a purposeful manner. 3: Behaviors and psychological issues This assesses whether and how often conspicuous behaviors such as wandering tendencies or aggressive behavior (verbal and/or physical), as well as resistance to care measures and delusions, occur, and thus whether support from another person is needed in these situations. | Total 15% |
| 4: Self-care This module assesses independence in performing activities related to body care (e.g., bathing, dressing, combing hair) and direct food intake (drinking, eating). | 40 % |
| 5: Coping with and independent management of illness- or therapy-related demands and burdens This examines how independently a person can carry out medically prescribed measures such as taking medication or injections, and whether accompaniment to therapies or doctor’s appointments is required. The decisive factor here is how often support from another person is necessary. | 20 % |
| 6: Managing daily life and social contacts This module assesses, for example, how independently a person can structure their daily routine and maintain social contacts. | 15 % |
