Calculator
Optimize your deductible
Which deductible suits you? Weigh premium savings against your own risk and find the best option. Anonymous and instant.
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€700
6 x/yr
€80
38 years
Deductible comparison
Recommended deductible ·
Annual premium saving·
Estimated doctor costs/year·
Net benefit/year·
Current own risk/year·
| Deductible | Saving/mo. | Own risk/yr | Net benefit | Break-even |
|---|
Premium savings are estimates based on market averages for 2026. Actual values depend on the plan and insurer. A guide value, not advice.
Talk your questions through with an expert
You have calculated your optimal deductible. We check whether your plan allows this change and what it means for your premium. Free of charge and without obligation.
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Frequently asked questions about the deductible
From which deductible does a change really pay off?
The premium saving does not grow in a straight line with the deductible. The step from €0 to €600 typically brings about 11 percent lower premiums. The further step to €2,000 brings about 27 percent in total. If you rarely see a doctor and have enough savings, you usually benefit from a deductible of €600 to €1,000. The key is the break-even: how many months of premium savings do you need to offset the maximum own risk of one year?
How does the no-claims refund affect the deductible decision?
Many private plans pay back one or more monthly premiums after a claim-free year. With a higher deductible, you pay small bills yourself, make fewer claims and receive the no-claims refund more often. The calculator takes this effect into account. It estimates how likely you are to make no claim at the chosen deductible and adds this expected refund bonus to the net benefit.
Can I lower the deductible again at any time?
That depends on your plan and insurer. Many insurers allow a lower deductible only under certain conditions, for example with new health questions or only on certain dates. An increase is usually easier. Check the exact conditions of your plan before you decide, or ask us directly.