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World
World Desk · · 30s summary · 2 min read
As of July 1, 2026, the Eigenanteil—the monthly amount that retirement home residents in Germany must pay out of pocket—reached an average of €3,289 for the first year of stay in Rhineland-Palatinate, according to an analysis by vdek (Verband der Ersatzkassen), the association of German substitute health insurance funds. This represents an increase of €238 compared to July 2025 and €67 compared to January 2026, showing a persistent upward trend. The data, transmitted to the dpa news agency, underscores ongoing cost pressures in Germany's long-term care system.
As of July 1, 2026, the average Eigenanteil—the monthly amount that residents of a long-term care facility (Pflegeheim) must pay out of pocket, in addition to coverage from statutory long-term care insurance—totaled €3,289 for the first year of stay in Rhineland-Palatinate, according to an analysis by vdek (Verband der Ersatzkassen, the federal association of German substitute health insurance funds) transmitted to the dpa news agency.
This amount is €238 higher than in July 2025 and €67 higher than in January 2026. The upward trend has been continuous for at least one year.
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The Eigenanteil comprises four components: the remaining share of care itself, housing costs, meal costs, and the facility's capital investment expenses. Since a 2022 reform, a progressive relief mechanism (Leistungszuschläge) is intended to reduce the care portion of the Eigenanteil based on length of stay, though it does not cap housing costs or capital investment expenses.
The published data covers only Rhineland-Palatinate. No comparison with other German states appears in the consulted sources. The precise causes of the increase—rate evolution, wage pressure, investment costs—are not detailed in the analysis transmitted to dpa.
The Eigenanteil is the monthly amount that residents of a long-term care facility (Pflegeheim) must finance themselves, in addition to coverage by statutory long-term care insurance. It comprises the remaining share of care, housing fees, meal costs, and the facility's capital investment expenses.
The vdek (Verband der Ersatzkassen) is the federal association of German substitute health insurance funds, grouping notably TK (Techniker Krankenkasse), BARMER, and DAK-Gesundheit. It regularly publishes statistical analyses on long-term care costs across German states.
These values (€3,051 and €3,222) are calculated by subtraction from the annual and six-month variations published by vdek. They are not cited directly in the source but derived from its published data.