{
  "id": "reg-psg-ii",
  "type": "regulation",
  "languages": {
    "en": {
      "id": "reg-psg-ii",
      "lang": "en",
      "type": "regulation",
      "title": "Second Care Strengthening Act (PSG II)",
      "shortDefinition": "The Second Care Strengthening Act (PSG II) reformed Germany's statutory long-term care insurance from 1 January 2017 by replacing the three care levels with five care grades and a newly defined concept of care dependency.",
      "synonyms": [
        "PSG II"
      ],
      "linesOfBusiness": [
        "Long-term care"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Social Insurance",
        "Long-term care insurance"
      ],
      "relations": {
        "relatedTerms": [
          "term-supplementary-insurance",
          "term-copayment"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
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      "coverageProfile": null,
      "clause": null,
      "legalBasis": [],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
        "by": "process:reconstructed",
        "at": "2026-08-31T00:00:00.000Z"
      },
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      "url": "https://hgh.ch/lexikon/en/knowledge/regulation/second-care-strengthening-act/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/regulierung/pflegestaerkungsgesetz-ii/",
      "body": "## Core elements\n\nPSG II entered into force on 1 January 2016; the switch of the assessment procedure and the previous three care levels to five care grades took effect on 1 January 2017. Key contents include the redefinition of care dependency, improved benefits for people with dementia and mental illness, and an entitlement to additional support services in residential care facilities.\n\n## Scope and changes\n\nThe act also improves the social security coverage of family carers and raised the long-term care insurance contribution rate to 2.55 percent (2.8 percent for the childless) from 1 January 2017. The care-related co-payment is set independently of the care grade; existing benefit recipients are transferred automatically without being placed at a disadvantage.\n\n## Practical relevance\n\nFor private supplementary long-term care insurance, PSG II provides the regulatory reference framework: because statutory long-term care insurance only offers basic protection, a coverage gap remains that supplementary insurance addresses. The care-grade system also forms the basis for triggering benefits under many private care insurance tariffs."
    },
    "de": {
      "id": "reg-psg-ii",
      "lang": "de",
      "type": "regulation",
      "title": "Zweites Pflegestärkungsgesetz (PSG II)",
      "shortDefinition": "Das Zweite Pflegestärkungsgesetz (PSG II) reformierte zum 1.1.2017 die soziale Pflegeversicherung in Deutschland durch die Umstellung der drei Pflegestufen auf fünf Pflegegrade und einen neu definierten Pflegebedürftigkeitsbegriff.",
      "synonyms": [
        "PSG II"
      ],
      "linesOfBusiness": [
        "Pflege"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Sozialversicherung",
        "Pflegeversicherung"
      ],
      "relations": {
        "relatedTerms": [
          "term-supplementary-insurance",
          "term-copayment"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "coverageProfile": null,
      "clause": null,
      "legalBasis": [
        "DE: Gesetz zur Stärkung der pflegerischen Versorgung und zur Änderung weiterer Vorschriften"
      ],
      "standards": [],
      "reviewStatus": "expert-reviewed",
      "reviewedBy": "Guido Hesse, Hesse Group Holding AG",
      "lastReviewed": "2026-09-04",
      "version": "0.1.0",
      "updated": "2026-08-31",
      "generated": {
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        "at": "2026-08-31T00:00:00.000Z"
      },
      "verified": [
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      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/regulierung/pflegestaerkungsgesetz-ii/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/regulation/second-care-strengthening-act/",
      "body": "## Kernelemente\n\nDas PSG II trat am 1.1.2016 in Kraft; die Umstellung des Begutachtungsverfahrens und der bisherigen drei Pflegestufen auf fünf Pflegegrade erfolgte zum 1.1.2017. Zentrale Inhalte sind die Neudefinition der Pflegebedürftigkeit, verbesserte Leistungen für demenziell und psychisch Erkrankte sowie ein Anspruch auf zusätzliche Betreuungsangebote in stationären Einrichtungen.\n\n## Geltungsbereich und Neuerungen\n\nDas Gesetz verbessert zudem die soziale Absicherung pflegender Angehöriger und hebt den Beitragssatz in der Pflegeversicherung ab dem 1.1.2017 auf 2,55 Prozent (für Kinderlose 2,8 Prozent) an. Der pflegebedingte Eigenanteil wird unabhängig vom Pflegegrad festgesetzt; bestehende Leistungsempfänger werden automatisch übergeleitet, ohne schlechter gestellt zu werden.\n\n## Praxisrelevanz\n\nFür die private Pflegezusatzversicherung bildet das PSG II den regulatorischen Bezugsrahmen: Da die gesetzliche Pflegeversicherung nur einen Grundschutz bietet, bleibt eine Deckungslücke, die Zusatzversicherungen adressieren. Die Systematik der Pflegegrade ist zugleich Grundlage für die Leistungsauslösung in vielen privaten Pflegetarifen."
    }
  }
}