There are two types of PV. Pflegeplichtversicherung and Pflegezusatzversicherung. Both are generally referred to as just, Pflegeversicherung, Pflege, PV or PVN

1. Pflegepflichtversicherung - Compulsory Care Insurance. This is a legal requirement (pflicht = compulsory) 2. Pflegezusatzversicherung - Supplemental Care Insurance. This is optional (zusatz = supplemental).

Pflegezusatzversicherung provides similar cover to Pflegepflichtversicherung and can be used as additional cover. It is not an alternative however. Pflegepflichtversicherung should normally be taken regardless of whether Pflegezusatzversicherung or another option is taken or not - but see below*.