Pflegegeld plus 200%
The state benefit increased by up to 200% — up to 4,000 € extra a month is possible.
800+clients in Austria
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§28MaklerG best advice
GISAlicensed insurance broker
Nobody likes to talk about care. That is exactly why we do.
In Austria the state Pflegegeld runs from 200 to 2,000 € a month, graded across seven care levels. Round-the-clock care costs between 2,500 and 4,500 € a month. A place in a care home costs 3,000 to 5,000 €. The gap is real.
Whoever does not insure it today pays it tomorrow — or their children do. Private long-term care insurance raises the state Pflegegeld by up to 200%. It pays whether the need arises with age, after an accident or through illness. It is not meant for you alone. It is also for the people who love you — so that they can love you without having to do sums at the same time.
We grow old by refusing to learn how to love anew.
What you get with Wenexus.
Six promises we are happy to be measured against.
From the level you choose
The benefit begins at the care level you select, from 1 to 7. You decide how early the policy pays.
For life
Even if the need for care arises more than once — no time limit, nothing forfeited.
Care assistance
Advice, arranging care services, applying for Pflegegeld — in your language.
Care abroad too
Important for diaspora parents: the benefit is paid even if you are cared for in Ukraine.
Inheritable component
With capital-building plans, whatever is not used goes to your heirs.
Three routes, three prices. One conversation.
We recommend the plan that fits your life — not the most expensive one.
Basic
from32€/month
- Included: Benefit from level 3
- Included: Up to 800 €/month extra
- Included: Benefit for life
- Included: Care assistance
- Not included: Benefit abroad
- Not included: Capital component
Comfort
Recommendedfrom68€/month
- Included: Benefit from level 2
- Included: Up to 1,800 €/month extra
- Included: Benefit abroad, Ukraine included
- Included: Immediate payment of 3,000 €
- Included: Family discount 10%
- Not included: Capital component
Premium
from128€/month
- Included: Benefit from level 1
- Included: Up to 4,000 €/month extra
- Included: Inheritable capital component
- Included: Concierge care service
- Included: Advice in DE/UA/RU
- Included: Parents covered too
The exact premium depends on your age, your region, the insured object and your claims history. We will send you a PDF comparing the three best options — with no obligation to buy.
Four steps. In person. In your language.
Needs analysis
A 30-minute conversation — in German, Ukrainian or Russian. We understand your situation before we open a single plan.
Market comparison
We compare 15+ insurers on the scope of cover, the Selbstbehalt (deductible) and how they actually settle claims — not just on the premium.
Signing
You sign digitally or in our office. We take care of cancelling your old policy.
When you claim
We call the insurer. We translate. We represent you. That is best advice under §28 MaklerG.
Your plan. Within 24 hours. On a single page.
We compare 15+ insurers and send you a PDF — the three best options, honestly compared.
- A personal needs analysis — no bots
- A comparison of 15+ insurers
- A clear plan comparison on one page
- Advice in DE, UA, RU or EN
Voices from the diaspora.
„My father is at care level 4. The insurance now pays 1,200 € extra a month. We were able to keep him at home — not in a home. It is the most important thing we have ever insured.“
„We took out a policy with cover abroad for my mother-in-law. She is being cared for in Lviv now — with dignity, and without ruining the family.“
„I took out a policy for myself at 52 — 44 € a month. My children should never get the bill I got for my mother.“
Answers in a language you understand.
Level 1 means more than 65 hours of care a month, through to level 7 — more than 180 hours, immobility and constant supervision. The state benefit rises from around 200 € at level 1 to around 2,000 € at level 7. The level is set by a medical assessment from the pension authority.
In Vienna: 2,500–3,500 € a month, with two carers alternating, often from Romania or Slovakia. Plus federal support of up to 1,200 € a month. What is left for you to pay: roughly 1,500–2,500 € — the typical gap.
Yes, but more leniently than for health insurance. With good plans there is no risk surcharge up to around age 60. From 70 there is often a surcharge or a waiting period of 3 years. We check the exact terms for your situation.
In the Comfort and Premium plans: yes, abroad as well. One important condition: the need for care has to be documented by a recognised medical assessment. Ukrainian assessments are usually accepted too, with a certified translation.
Yes, if you are the one paying the premiums and your parents are under 75. The benefit goes to the person needing care, that is, your parents. A very common arrangement in the diaspora.
Care insurance pays once an official care level has been assigned. Quality-of-life cover also pays for temporary limitations such as rehabilitation or an operation. For most families we recommend classic long-term care insurance.
We talk about it so that you do not have to — when the time comes.
A 45-minute conversation about the levels, the gap and the options. In your language. With respect for what lies ahead.
Free consultation · No obligation