All members of the social health insurance scheme are automatically covered by social long- term care insurance. The responsible long-term care insurance funds (Pflegekassen) are affiliated to the corresponding health insurance funds (Krankenkassen). Employees who are not covered by social LTC insurance are permitted to contract with a private long-term care insurance institution as long as they are members of a private health insurance scheme. Around 90 per cent of the German population is consequently covered by the social LTC insurance scheme and around 9 per cent have private LTC insurance cover. .
