Long-term comparison
Compare private and statutory insurance over the long term
How do private and statutory health insurance develop until retirement? Compare both systems over the whole period. Anonymous and instant.
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35 years
€5,500
€550
35%
3.0%
3.5%
Over the full period
Difference until retirement ·
Private total (net)·
Statutory total (net)·
Years until 67·
Turning point·
Net view after tax, with constant yearly increase rates until retirement at 67. Assumptions, not a guaranteed result. Sources: GKV-Spitzenverband, Bundesgesundheitsministerium.
Think through the next 30 years
A trend over the full period is a start. Together we look at which assumptions are realistic and which plan is calculated to stay stable. Free of charge and without obligation.
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Frequently asked questions about the long-term comparison
Why can private insurance become cheaper only after some years?
At the start, the statutory contribution for a high income is often lower or similar. The statutory contribution is linked to the Beitragsbemessungsgrenze, and this ceiling rises every year. So it often grows faster than a well-calculated private plan. The calculator shows the year in which the curves cross.
What role does tax play in the long-term comparison?
Contributions for basic cover are tax-deductible as special expenses. In private insurance, this is about 79 percent of the premium, depending on the plan. In statutory insurance, it is almost the full contribution, minus the share for Krankengeld KrankengeldStatutory sick pay from the statutory health insurance fund. It starts when the employer stops paying wages, usually from the seventh week of illness.. The calculator therefore compares the net cost after tax, not the gross premium.
How reliable is a projection over 20 or 30 years?
Nobody knows the future adjustments exactly. The calculator works with constant yearly increase rates that you set yourself. It therefore gives a trend and a sense of scale, not a guaranteed result. Calculate with several scenarios on purpose.