{
  "id": "term-adl-scale",
  "type": "term",
  "languages": {
    "en": {
      "id": "term-adl-scale",
      "lang": "en",
      "type": "term",
      "title": "ADL Scale",
      "shortDefinition": "The ADL (Activities of Daily Living) scale assesses the need for long-term care based on the ability to independently perform basic daily activities, and is used by health and life insurers to tier benefits.",
      "synonyms": [
        "ADL points system"
      ],
      "linesOfBusiness": [
        "Health",
        "Life",
        "Long-Term Care"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Long-term care insurance",
        "Claims Assessment"
      ],
      "relations": {
        "relatedTerms": [
          "cov-travel-health",
          "term-incapacity-for-work"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "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"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/en/knowledge/term/adl-scale/",
      "alternateUrl": "https://hgh.ch/lexikon/de/wissen/begriff/adl-punktesystem/",
      "body": "## Concept\n\nADL stands for \"Activities of Daily Living\". Under the ADL scale, a medical assessment determines the extent to which a person in need of care can independently perform certain basic activities.\n\n## Methodology\n\nWhat matters is solely the physical and mental condition of the person in need of care, not the actual time required for any assistance needed. Health or life insurers applying the ADL scale tier their benefits according to the number of ADL points reached, with one point awarded for each basic activity that cannot be performed independently. In Germany, a six-point scale is most commonly used.\n\n## Significance\n\nThe ADL scale provides private health and life insurers with a standardized, objectifiable basis for claims assessment in supplementary long-term care insurance, complementing the statutory care levels with a product-specific evaluation method."
    },
    "de": {
      "id": "term-adl-scale",
      "lang": "de",
      "type": "term",
      "title": "ADL-Punktesystem",
      "shortDefinition": "Das ADL-Punktesystem (\"Activities of Daily Living\") beurteilt Pflegebedürftigkeit anhand der Fähigkeit, Grundfertigkeiten des täglichen Lebens eigenständig auszuführen, und dient Kranken- und Lebensversicherern zur Leistungsstaffelung.",
      "synonyms": [
        "ADL-Skala"
      ],
      "linesOfBusiness": [
        "Kranken",
        "Leben",
        "Pflege"
      ],
      "jurisdictions": [
        "DE"
      ],
      "tags": [
        "Pflegeversicherung",
        "Leistungsprüfung"
      ],
      "relations": {
        "relatedTerms": [
          "cov-travel-health",
          "term-incapacity-for-work"
        ],
        "partOf": [],
        "appliesTo": [],
        "regulatedBy": [],
        "relevantFor": [],
        "insurableVia": [],
        "mitigatedBy": [],
        "comprises": [],
        "alternativeTo": [],
        "complementedBy": []
      },
      "attribute": null,
      "profile": null,
      "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"
      },
      "verified": [
        {
          "by": "human:ghesse",
          "at": "2026-09-04T00:00:00.000Z",
          "method": null
        }
      ],
      "staleAfter": null,
      "url": "https://hgh.ch/lexikon/de/wissen/begriff/adl-punktesystem/",
      "alternateUrl": "https://hgh.ch/lexikon/en/knowledge/term/adl-scale/",
      "body": "## Begriff\n\nADL steht für \"Activities of Daily Living\" (\"Tätigkeiten des täglichen Lebens\"). Beim ADL-Punktesystem wird ärztlich untersucht und festgestellt, inwiefern eine pflegebedürftige Person bestimmte Grundfertigkeiten eigenständig ausführen kann.\n\n## Methodik\n\nEntscheidend ist allein der körperliche und geistige Zustand der pflegebedürftigen Person, nicht der konkrete Zeitaufwand für erforderliche Hilfestellungen. Kranken- oder Lebensversicherer, die das ADL-Punktesystem anwenden, staffeln ihre Leistungen nach der Anzahl der erreichten ADL-Punkte, wobei je ein Punkt für eine nicht selbstständig ausführbare Grundfertigkeit vergeben wird. In Deutschland wird meist ein sechsstufiges Punktesystem verwendet.\n\n## Bedeutung\n\nDas ADL-Punktesystem bietet privaten Kranken- und Lebensversicherern eine standardisierte, objektivierbare Grundlage zur Leistungsprüfung in Pflegezusatzversicherungen und ergänzt damit die gesetzlichen Pflegegrade um ein produktspezifisches Bewertungsverfahren."
    }
  }
}