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Stay calm
A premium increase often seems drastic at first. But it is not automatically a reason to cancel. First check how large the adjustment really is and which benefits you get for your premium.
Allianz premium increase 2027: options & alternatives
Allianz is adjusting premiums in full cover as of January 1, 2027. For adults, the adjustment is between 0 and 13 percent depending on the plan, for children and young people it goes up to 16 percent. Here you can see the figures and your options.
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Premium increase at Allianz: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Allianz
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, Allianz is adjusting premiums in full cover. In the plans for employees, self-employed and freelancers, adults stay at 0 to 6 percent, and the plans GSZ75, GSZ90 and GSZ100 do not rise. The doctors' plans MB100 and MB100A are more strongly affected. The figure for children and young people in GSZ90 is still pending.
Employees, self-employed and freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| GSB70 | 4% | 16% | 6% | 5% | 5% | 6% | 6% |
| GSP70 | 0% | 9% | 4% | 4% | 4% | 4% | 4% |
| GSZ100 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| GSZ75 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| GSZ90 | pending | pending | 0% | 0% | 0% | 0% | 0% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MB100 | 9% | 9% | 11% | 11% | 11% | 10% | 9% |
| MB100A | 0% | 0% | 9% | 9% | 13% | 0% | 0% |
| MP100 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| MP100A | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Premium adjustments 2026
The adjustments in 2026 range from 0 to 19 percent depending on plan and entry age.
Employees, self-employed and freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| GSB70 | 17% | 14% | 5% | 5% | 5% | 6% | 7% |
| GSP70 | 19% | 21% | 2% | 2% | 2% | 3% | 3% |
| GSZ100 | 19% | 14% | 11% | 11% | 11% | 12% | 13% |
| GSZ75 | 18% | 14% | 10% | 10% | 10% | 11% | 12% |
| GSZ90 | 19% | 15% | 10% | 10% | 11% | 11% | 13% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MB100 | 12% | 19% | 11% | 12% | 13% | 13% | 13% |
| MB100A | 0% | 0% | 13% | 13% | 13% | 0% | 0% |
| MP100 | 14% | 10% | 11% | 12% | 14% | 14% | 16% |
| MP100A | 0% | 0% | 13% | 2% | 15% | 0% | 0% |
Premium adjustments 2025
In 2025, a premium guarantee applied to the full-cost plans for employees, self-employed and freelancers.
Employees, self-employed and freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| GSB70 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GSP70 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GSZ100 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GSZ75 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GSZ90 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MB100 | 5% | 14% | 5% | 5% | 5% | 5% | 6% |
| MB100A | 0% | 0% | 8% | 8% | 8% | 0% | 0% |
| MP100 | Guarantee | Guarantee | 6% | 6% | 6% | 6% | 7% |
| MP100A | 0% | 0% | 10% | 10% | 9% | 0% | 0% |
Premium adjustments 2024
Employees, self-employed and freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AM90PU | -7% | 0% | 4% | 4% | 5% | 5% | 5% |
| AMB90U | 0% | 0% | 6% | 7% | 7% | 7% | 7% |
| AMBSU | 0% | 0% | 3% | 3% | 3% | 3% | 3% |
| AMP100U | -7% | 0% | 0% | 0% | 0% | 0% | 0% |
| AMP90PU | 0% | 0% | 6% | 5% | 5% | 4% | 4% |
| AMP90U | 0% | 13% | 2% | 2% | 1% | 1% | 0% |
Training plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AMP90UA | 0% | 0% | 4% | 7% | 7% | 0% | 0% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MP100 | 8% | 9% | 0% | 0% | 0% | 0% | 0% |
Figures in percent of the previous premiums, by entry age (years). "Guarantee" means a premium guarantee without adjustment. "Pending" means an adjustment that has been announced but whose amount has not yet been communicated.
Contact us
We review your premium increase free of charge and without obligation.
Switching to private health insurance is probably not advisable for you.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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Financial stability of Allianz compared
Allianz is one of the large and financially strong private health insurers in Germany. Its focus is on full cover and supplementary insurance with a wide range of plans. The following figures put the financial position into context, each compared with the insurer's own ten-year average and the industry average (as of 2024).
6.7%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
3.6%
Net interest yield
Above the industry average of 2.8 percent: solid investment income supports stable premiums.
2.0
Complaints ratio
Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.
| Indicator | Allianz 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 33.3% | 43.4% | 37.4% |
| RfB allocation ratio | 7.7% | 11.4% | 10.5% |
| Equity ratio | 6.7% | 9.5% | 20.9% |
| Net interest yield | 3.6% | 3.7% | 2.8% |
| Administrative cost ratio | 2.3% | 2.4% | 2.9% |
| Claims ratio | 83.7% | 79.5% | 75.1% |
| Acquisition cost ratio | 8.1% | 6.9% | 8.0% |
| Complaints ratio (per 100,000) | 2.0 | 3.4 | 2.8 |
How to read the financial position
Allianz is financially sound. Low administrative costs, an above-average net interest yield and a low complaints ratio speak for stable premiums. A point to note is a provision for premium refunds below the industry average. Allianz is part of the Allianz group, which gives it a clear place in the market.
Frequently asked questions
Will I lose my ageing reserves if I change plan?
No. With an internal change under § 204 VVG, your ageing reserves are kept in full. Only when you switch to another insurer are the calculated reserves lost.
Is the premium increase at Allianz lawful at all?
A premium adjustment is permitted if the calculation bases change and an independent trustee agrees. We also check the formal justification in your letter.
How quickly do I need to respond?
After receiving the increase letter, you have a special right of termination within the statutory deadline. There is no deadline for the internal plan change, it is possible at any time.
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Switching to private health insurance is probably not advisable for you.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
Please choose a day
Loading free appointments
Your appointment is booked
The confirmation is on its way to your inbox.
