Premium calculator
Estimate your private health insurance premium
What does private health insurance cost at your age? Get a realistic premium estimate. Anonymous and instant.
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years
Your guide value
Estimated monthly premium (gross) ·
Your share·
Employer contribution·
Per year (gross)·
Entry age·
How the estimate is made up
Base premium (age)·
Health factor·
Deductible (discount)·
Gross premium·
Guide values based on the market average for 2026 by age and level of benefits (§§ 12, 203 VVG). Sources: GKV-Spitzenverband, Bundesgesundheitsministerium. Not a binding offer, not insurance advice.
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Common questions about private health insurance premiums
Why does your entry age matter so much for the premium?
Private health insurance sets premiums based on life expectancy and the risk of illness at the time you join. The younger you are when you join, the lower your starting premium and the more time the insurer has to build up ageing reserves. If you join at 30, you pay much less than someone who joins at 45. This advantage is permanent. Depending on the plan, the difference adds up to several hundred euros a month.
How does the deductible change the premium?
An annual deductible of €300 to €900 lowers the monthly premium noticeably, because you pay part of your medical costs yourself. It also gives you a reason to use only the care you need, which shows in the no-claims refund. If you rarely see a doctor, a moderate deductible can work out cheaper.
Can my premium still rise after I sign the contract?
Yes. Private insurers review their calculations regularly. They adjust premiums when actual claims costs differ from the calculated values. The legal basis for an adjustment is § 203 VVG, and the legal trigger is a 10% deviation (§ 155 VAG). Across the market, premiums have risen by about 3% to 4% a year over the past ten years. Well-funded ageing reserves soften this effect in retirement.