Abstract
In view of demographic ageing, social long-term care insurance is facing growing financial and structural challenges. Rising contribution rates, increasing co-payments and a sharp rise in demand for care services in the future raise the question of how sustainable financing and adequate provision can be ensured in long-term care. This article examines reform approaches for stable contribution rate financing with an introduction to partial capital cover and a stronger focus on benefits for existential care risks. It also analyses how more competition, less regulation, greater investment incentives for private capital and productivity-enhancing measures in the inpatient care sector can contribute to expanding supply and curbing costs.