What Home Nursing Covers
Haeusliche Krankenpflege is medical home nursing prescribed by a doctor, for example to change dressings, administer medication or provide care that lets you recover at home instead of staying in hospital. It is treatment, distinct from long-term care under the compulsory care insurance, though the two can overlap in practice.
How PKV Treats It
Whether your tariff pays, and how much, is set out in the conditions. Many comprehensive plans cover medically prescribed home nursing that substitutes for or shortens a hospital stay, and some include basic care support alongside the medical element. Prescriptions and prior approval are usual, because the insurer needs to see the medical reason and the expected duration.
Two different systems: medical home nursing sits in your health tariff, while long-term help with daily living sits in care insurance. Check which one your situation falls under, since they pay on different rules.
Arranging Cover
- Get the prescription: the doctor sets out the nursing needed and for how long.
- Check your tariff: confirm home nursing is included and at what rate.
- Ask for approval: request written confirmation before care begins where the tariff requires it.
- Keep the paperwork: keep prescriptions and nursing-service invoices for the claim.
If your needs are really about long-term help with washing, dressing and mobility rather than medical treatment, the care-insurance route and a private care top-up matter more, so it is worth being clear which system you are claiming under before you start.
Frequently Asked Questions
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