Comparison calculator
Compare private and statutory health insurance
Private or statutory? Compare the premium and benefits of both systems based on your numbers. Anonymous and instant.
Verified expertise at PKV-Welt · About our team of specialists →Your details
34 yrs
€5,000
€0
2.9%
Your comparison
· ·
Statutory · per month · cheaper
Private (guide value) · per month · cheaper
What speaks for statutory
What speaks for private
Estimates based on the statutory contribution rates for 2026 and typical market guide values for private health insurance. Private premiums vary by plan, insurer and state of health. Sources: GKV-Spitzenverband, Bundesgesundheitsministerium.
Which plan really fits you
You can see the trend. Which plan fits you in the end depends on your health, the benefits you want and your life plans. We sort this out together, free of charge and without obligation.
- Free of charge
- No obligation
- Honest
Frequently asked questions about private vs. statutory
How reliable is the private premium estimate in this calculator?
The private premium depends on entry age, health, insurer and the level of benefits you choose. The calculator shows a typical market guide value for a healthy entry, not a binding offer. Your actual premium is only fixed after the health questions and can be higher depending on pre-existing conditions.
From what income can I switch to private health insurance as an employee?
Employees can only switch when their gross salary exceeds the Versicherungspflichtgrenze. In 2026 it is €77,400 a year, which is €6,450 a month. Self-employed people and civil servants are free to choose regardless of this threshold.
Why does statutory insurance often come out ahead with children?
In statutory health insurance, children and a partner with a low income are covered free of charge through family insurance. In private health insurance, every person pays their own premium. With several children, this shifts the numbers clearly in favor of statutory insurance.