As much as you’d like to avoid thinking about it, many people are confronted with the issue of care at some point, either you yourself need care because of age, illness or an accident, or family members are affected. The problem is the high costs of at-home or inpatient care are often not covered by the statutory long-term care insurance scheme in Germany.
As a result, the employers’ association BAVC and the trade union IG BCE have created CareFlex Chemie as a supplement to public benefits – it is the first industry-wide supplementary long-term care insurance scheme. The insurance scheme will be implemented by a consortium consisting of R+V Krankenversicherung and Barmenia Krankenversicherung. CareFlex Chemie begins on July 1, 2021.
For employees of the participating Fresenius companies, CareFlex Chemie offers significant financial relief in the event of an emergency. What’s particularly attractive is that by topping-up the basic insurance from Fresenius, you can also insure parents, parents-in-law or other family members. This brings an additional benefit: when you leave the chemical industry, or retire, you can continue the insurance privately – cheaply and without a health check. Protect yourself in the long term from the risk of paying for care.
Secured in Case of Emergency
Fresenius enrols all eligible employees for basic insurance and assumes a monthly contribution of €33.65. A health check is not needed to be insured. If, during your employment at Fresenius, you require care, you will receive a care allowance. For outpatient services from level 2 care, the allowance is €300 per month, or €1000 per month for inpatient care. In an emergency, individual care advice can also be important – there is a free, 24-hour care hotline if you need advice.
Add Individual Top-Ups
Employees are able to privately top up the services of the collective supplementary long-term care insurance scheme with their own contributions. You can, for example, choose a higher monthly care allowance for inpatient or outpatient care needs (CareFlex Top-up). What’s especially important is that insuring your family members too is very easy (CareFlex Family).
If you choose a Top-Up by December 31, 2021, then only a reduced health check is necessary for your partner or children – just like with CareFlex Top-Up. This applies to employees who were enrolled in the insurance scheme upon its introduction on July 1, 2021. For enrolments from August 1, 2021, the reduced health check applies in the event of a Top-Up being applied within two months of enrolment.
Parents and parents-in-law can also be insured upon completion of a normal health check.
Protected – No Matter What Happens
Are you leaving Fresenius or retiring? If so, you can maintain your insurance – including family insurance – privately without additional health checks and with significantly lower contributions than there would be for new customers. If you are staying in the chemical industry, the industry-wide insurance generally continues to apply.
Employees of the participating companies are insured by CareFlex Chemie from the seventh month of their employment. The waiting period does not apply if you move within Fresenius or are taken on as a paid employee after training. Apprentices, placement students, as well as interns and mini-jobbers are not insured. In addition, employees who have already been awarded a care level (incl. retroactively) cannot be insured.
How it Works
Start of Insurance
The insurance scheme begins on 1st July 2021. From this date, all eligible employees will be enrolled in CareFlex Chemie. You don’t have to do anything – Fresenius does it all for you. If you have been employed at Fresenius for less than 6 months, you will be enrolled once you have completed 6 months of employment.
Individual Counselling & Top-ups
You will receive a personal letter containing your access details for the CareFlex Chemie Employee Portal. After registration, you can log in to the Portal and arrange an appointment for a personal consultation. During the consultation, you can decide whether you want to add individual Top-ups for yourself and/or family members with your own contributions. The Portal will also show information on your existing insurance.
If You Claim Insurance Benefits
For outpatient services between level 2 and level 4 care, those enrolled in the basic insurance will receive a monthly care allowance of €300. For inpatient care at home (level 2 to level 5 care), the supplementary insurance will be €1000 per month.
Taxes and Social Insurance
For Further Info
Taxes and Social Insurance
When the care allowance is paid out, no social insurance contributions or taxes accrue at all. The contribution from Fresenius essentially falls below the benefits-in-kind limit of €44 per month, so the employer contribution is exempt from tax and social insurance. However, if you receive extra benefits-in-kind that in total exceed the €44 limit, all of these benefits are subject to taxation and social insurance. In these cases, the costs are borne by the employer within the framework of lump-sum taxation. Contributions for a potential Top-Up are paid privately from your net income.
As part of CareFlex Chemie you will receive comprehensive advice – either on insurance arrangements, additional insurance options or an actual claim of insurance benefit. The advice is not given by Fresenius, but by certified advisers of the CareFlex consortium. If you need advice, you can book an appointment online in the CareFlex Chemie Employee Portal.
If you have questions, you can also get in touch with customer service by phone or e-mail:
For Further Info
Information on the CareFlex supplementary long-term care insurance scheme is available to download.