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Assess first, then act
The first reaction to a premium adjustment is often anger. First get a clear overview before you think about consequences. What matters is how high the adjustment really is and what your plan offers for it.
ARAG premium increase 2027: options & alternatives
ARAG is adjusting premiums in full cover as of January 1, 2027. In the plans MedBest and MedExtra, premiums for adults rise by 3 to 11 percent, and in the K plans a premium guarantee applies for adults. Here you can see the figures and your options.
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Premium increase at ARAG: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at ARAG
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, ARAG is adjusting premiums in full cover. ARAG states the adjustment as a range for each age group. In the K plans, premiums for adults stay unchanged thanks to a premium guarantee, and only premiums for children and young people rise there.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| K0 | 11-12% | 11-12% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| K300 | 11-12% | 11-12% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| K600 | 11-12% | 11-12% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| K900 | 11-12% | 11-12% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| K1200 | 11-12% | 11-12% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| K1500 | 11-12% | 11-12% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| MedBest MB0 | 11-14% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% |
| MedBest MB300 | 11-14% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% |
| MedBest MB600 | 11-14% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% |
| MedBest MB900 | 11-14% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% |
| MedBest MB1200 | 11-14% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% |
| MedBest MB1500 | 11-14% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% | 9-11% |
| MedExtra ME0 | 12-15% | 10-12% | 3-5% | 3-5% | 3-5% | 3-5% | 3-5% |
| MedExtra ME300 | 12-15% | 10-12% | 3-5% | 3-5% | 3-5% | 3-5% | 3-5% |
| MedExtra ME600 | 12-15% | 10-12% | 3-5% | 3-5% | 3-5% | 3-5% | 3-5% |
| MedExtra ME900 | 12-15% | 10-12% | 3-5% | 3-5% | 3-5% | 3-5% | 3-5% |
| MedExtra ME1200 | 12-15% | 10-12% | 3-5% | 3-5% | 3-5% | 3-5% | 3-5% |
| MedExtra ME1500 | 12-15% | 10-12% | 3-5% | 3-5% | 3-5% | 3-5% | 3-5% |
Premium adjustments 2026
As of January 1, 2026, various plans in full cover at ARAG are being adjusted.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| 200 | 22% | 27% | 12% | 12% | 12% | 12% | 12% |
| 201 | 23% | 27% | 13% | 13% | 13% | 13% | 13% |
| 203 | 23% | 28% | 14% | 14% | 14% | 14% | 14% |
| 205 | 26% | 31% | 13% | 13% | 13% | 13% | 13% |
| 207 | 30% | 35% | 12% | 12% | 12% | 12% | 12% |
| 208 | 31% | 37% | 13% | 13% | 13% | 13% | 13% |
| 209 | 43% | 49% | 13% | 13% | 14% | 14% | 14% |
| 210 | 20% | 25% | 12% | 12% | 12% | 12% | 12% |
| 21P70 | 26% | 40% | 16% | 16% | 16% | 16% | 16% |
| 21P80 | 23% | 33% | 15% | 15% | 15% | 15% | 15% |
| 21P90 | 22% | 28% | 12% | 12% | 12% | 12% | 12% |
| MedBest MB0 | 0% | 0% | 4% | 3% | 4% | 3% | 3% |
| MedBest MB1200 | 0% | 0% | 3% | 3% | 3% | 3% | 2% |
| MedBest MB1500 | 0% | 0% | 3% | 3% | 3% | 3% | 2% |
| MedBest MB300 | 0% | 0% | 4% | 4% | 4% | 3% | 3% |
| MedBest MB600 | 0% | 0% | 4% | 3% | 3% | 3% | 2% |
| MedBest MB900 | 0% | 0% | 3% | 3% | 3% | 3% | 2% |
| MedExtra ME0 | 0% | 0% | 3% | 3% | 3% | 3% | 3% |
| MedExtra 1200 | 0% | 0% | 2% | 2% | 3% | 3% | 3% |
| MedExtra 1500 | 0% | 0% | 2% | 2% | 3% | 3% | 3% |
| MedExtra ME300 | 0% | 0% | 3% | 3% | 3% | 3% | 3% |
| MedExtra ME600 | 0% | 0% | 3% | 3% | 3% | 3% | 3% |
| MedExtra ME900 | 0% | 0% | 2% | 2% | 3% | 3% | 3% |
Premium adjustments 2025
ARAG announces an adjustment of plans for employees, self-employed people and freelancers as of January 1, 2025:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| K0 | 9% | 20% | 3% | 2% | 2% | 2% | 2% |
| K300 | 10% | 20% | 4% | 3% | 3% | 3% | 3% |
| K600 | 11% | 20% | 6% | 5% | 4% | 4% | 3% |
| K900 | 13% | 23% | 7% | 5% | 5% | 5% | 4% |
| K1200 | 12% | 21% | 9% | 7% | 6% | 5% | 4% |
| K1500 | 15% | 22% | 9% | 7% | 7% | 6% | 5% |
| ME0 | 10% | 21% | 7% | 7% | 8% | 8% | 7% |
| ME300 | 0% | 0% | 14% | 12% | 9% | 8% | 11% |
| ME600 | 11% | 21% | 9% | 9% | 9% | 10% | 9% |
| ME900 | 12% | 22% | 7% | 7% | 8% | 9% | 9% |
| ME1200 | 13% | 20% | 10% | 10% | 10% | 11% | 11% |
| ME1500 | 14% | 20% | 9% | 9% | 10% | 10% | 10% |
| MB0 | 8% | 18% | 7% | 7% | 7% | 7% | 7% |
| MB300 | 10% | 18% | 6% | 6% | 7% | 7% | 7% |
| MB600 | 10% | 18% | 8% | 8% | 8% | 8% | 8% |
| MB900 | 10% | 18% | 7% | 7% | 8% | 8% | 8% |
| MB1200 | 13% | 20% | 10% | 10% | 10% | 11% | 11% |
| MB1500 | 14% | 20% | 9% | 9% | 10% | 10% | 10% |
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.
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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 ARAG compared
ARAG is active in the private health insurance market as a family-run group. Its focus is on health and supplementary insurance. 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).
1.8%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
14.6%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
3.5
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
| Indicator | ARAG 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 37.5% | 56.3% | 37.4% |
| RfB allocation ratio | 6.2% | 11.1% | 10.5% |
| Equity ratio | 14.6% | 16.8% | 20.9% |
| Net interest yield | 2.1% | 2.7% | 2.8% |
| Administrative cost ratio | 1.8% | 2.3% | 2.9% |
| Claims ratio | 71.0% | 70.2% | 75.1% |
| Acquisition cost ratio | 19.3% | 13.4% | 8.0% |
| Complaints ratio (per 100,000) | 3.5 | 3.1 | 2.8 |
How to read the financial position
ARAG shows a mixed but fundamentally sound picture compared with the industry. An above-average provision for premium refunds and low administrative costs speak for stable premiums. Points to note are a net interest yield below market level and an increased complaints ratio. ARAG belongs to the ARAG Group, which gives it a clear place in the market.
Frequently asked questions
Do I keep my ageing reserves if I change plan within ARAG?
Your ageing reserves are kept in full with an internal change under § 204 VVG. Only a switch to another insurer means that the calculated reserves are lost.
On what basis does ARAG increase the premium?
An adjustment is only permitted under the conditions of § 203 VVG. It requires a lasting change in benefit expenditure or mortality rates and must be reviewed and approved by an independent trustee.
How quickly do I need to respond?
A fixed deadline applies above all to the special right of termination under § 205 (4) VVG, namely two months after receipt of the notice. You can approach the internal change under § 204 VVG with more flexibility in timing.
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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.
