Retirement planning calculator
Lower your premium in old age
How much does a premium relief plan lower your private health insurance premium in old age? Calculate the savings amount and its effect. Anonymous and instant.
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40 yrs
€
67 yrs
€
2.5%
Your savings amount
Savings amount you need per month ·
Capital at retirement·
Savings period·
Total paid in·
Premium after relief·
Breakdown
Target relief per month·
Capital paid in·
Of which interest·
Capital at retirement·
Simplified model with monthly payments, compound interest and a payout over 30 years. The actual plan calculation of the insurer differs.
Plan for a secure premium in old age
You can see what the relief costs. We work out together with you whether a premium relief plan, a plan change or a combination makes sense for you. Free of charge and without obligation.
- Free of charge
- No obligation
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Common questions about premium relief
How is a premium relief plan different from a regular investment?
The premium relief plan is part of your health insurance contract. The capital you build up is earmarked. From the start of your pension it lowers your premium instead of being paid out. In return it gets tax advantages, and your employer pays a share of it under § 257 SGB V, just like the rest of your health insurance premium.
Why does the savings amount get much more expensive if I start later?
The shorter the savings period, the fewer years interest and compound interest work for you. To reach the same relief, you have to raise the missing capital in fewer months. Starting at 40 instead of 45 often cuts the monthly amount you need by a third.
Is a premium relief plan still worth it shortly before retirement?
With only a few years left until retirement, the effect is small. There is hardly any time left for interest, and the monthly amount you need gets high. In this situation an internal plan change under § 204 VVG is often the more effective lever. We are happy to work through the exact comparison with you.