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Old 14.08.2019, 19:37
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Re: Does your Krankenkasse help finance your stay in a retirement home?

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Here's a link to the cost (broken down into components) in the City of Zurich's nursing homes.
https://www.stadt-zuerich.ch/gud/de/...l#gesamtkosten

The total costs are
  • those standard daily rates;
  • extras that are not included, and also not covered by the medical insurance, e.g. certain types of bandages, or a haircut;
  • actual nursing costs are covered by the medical insurance, but only up to a maximum ceiling;
  • some types of nursing which exceed those limits.

The old person pays this bill out of
  • his/her own pension (the AHV = mandatory social service pension.
  • a top-up benefit called Helplessness Compensation: anyone who is drawing an old-age pension from the government AHV (or for that matter a disability pension, called IV in German and AI in French) can apply for a so-called Helplessness Compensation ("Hilflosenentschädigung", abbreviated HLE) if they need direct or indirect help in basic daily functions such as dressing, washing, eating and mobility. Depending on the degree of frailty, the HLE can be "light", "medium" or "heavy", and each gives an extra flat-rate payment per month.
  • a pension according to the BVG (= mandatory pension plan, if they were employed)
  • any privately insured pensions schemes or lump-sum payouts,
  • the yields of their investments.

If those sources of income do not suffice, then it is expected that the person goes on to use up their savings to pay for the nursing home. This, however, only on until the person has depleted their saving down to certain "permissible" set amounts of assets, i.e. the bit they're allowed to keep and not have to spend it on their nursing home.

On reaching that point, the person can apply for so-called "Ergänzungsleistungen" (known as EL, = top-up benefits to the AHV or IV).

The calculation for the HLE is made only about the degree of help needed, and completely independently of their income and assets.
The calculation for the EL is purely means-tested.

If the patients' own means, plus the HLE, plus the EL are not enough, then the municipality ("Gemeinde") picks up the rest of the tab.

P.S. Please would someone who speaks French and Italian supply the vocab for these terms? Thank you.
Here you are referring to a Pflegezentren. Completely different to an Altersheim.https://www.stadt-zuerich.ch/gud/de/...en/kosten.html
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