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.
Requirements
- 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 requiring care must have been insured with a long-term care fund for at least two years within the last ten years prior to submitting the application.
- For children covered by family insurance, this period is met if the insured parent fulfills this condition.
Determination of the Need for Care
A person’s need for care is determined based on the assessment of six areas, known as modules.
Points are determined in each module and contribute to an overall assessment with varying weightings (in percent). For modules 2 and 3, only the module with the higher score is considered for the assessment. Based on the calculated total score, individuals are classified into one of 5 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 This exclusively considers abilities related to understanding and speaking. It assesses whether the affected person can orient themselves in their environment, recognize people from their immediate surroundings, choose weather-appropriate clothing, or perform goal-oriented actions. 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 % |