This allowance guaranteed the spouse protection under the agricultural sickness insurance scheme, which also covered self-employed fishermen and beekeepers.
The old age risk coverage has been almost universal since the establishment of minimum pension (1956) guaranteeing everyone a minimum pension, regardless of contributions to the mandatory pension insurance scheme.
Again, a system-wide approach is what's required to address this - a clinical indemnity insurance scheme that's utilised by those in the public and private system.