01
Keep calm
Stay calm after the notice. An increase does not mean that your plan is bad. Take your time to look at what amount you will pay and what cover you get for it.
AXA premium increase 2027: options & alternatives
AXA is adjusting premiums in full cover as of January 1, 2027. For adults, the adjustment is between 0 and 20 percent depending on the plan, for children and young people it goes up to 30 percent. Here you can see the figures and your options.
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Premium increase at AXA: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at AXA
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, AXA is adjusting premiums in full cover, in the plans for employees, self-employed and freelancers as well as in the doctors' plans. How high the adjustment is depends on the plan and the entry age.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Active-Me-U | 27% | 29% | 18% | 18% | 18% | 19% | 19% |
| ELBonus-U | 30% | 10% | 18% | 19% | 20% | 20% | 20% |
| Komfort-Zahn-U | 11% | 11% | 10% | 10% | 11% | 13% | 16% |
| Kompakt-Zahn-U | 11% | 11% | 0% | 0% | 0% | 0% | 0% |
| Premium-Zahn-U | 11% | 11% | 7% | 7% | 7% | 7% | 8% |
| GesundExtra1 | 11% | 11% | 8% | 8% | 8% | 8% | 8% |
| GesundExtra2 | 12% | 12% | 9% | 9% | 9% | 9% | 8% |
| GesundExtra3 | 13% | 13% | 10% | 9% | 9% | 9% | 9% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| VA2-U | 17% | 12% | 7% | 7% | 6% | 6% | 6% |
| VA6-900-U | 6% | 19% | 0% | 0% | 0% | 0% | 0% |
| VA6-U | 5% | 16% | 0% | 0% | 0% | 0% | 0% |
| VZ600-U | 18% | 18% | 17% | 17% | 19% | 19% | 18% |
Premium adjustments 2026
Here you can find all premium adjustments of the AXA plans as of January 1, 2026.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Active-Me-U | 8% | 49% | 12% | 12% | 12% | 12% | 12% |
| ELBonus-U | 12% | 65% | 10% | 10% | 10% | 10% | 10% |
| Komfort-Zahn-U | 21% | 20% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Kompakt-Zahn-U | 20% | 19% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Premium-Zahn-U | 21% | 20% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundExtra1 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundExtra2 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundExtra3 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| VA2-U | 0% | 0% | 13% | 13% | 12% | 12% | 12% |
| VA6-900-U | 0% | 0% | 4% | 2% | 2% | 4% | 6% |
| VZ Zahn-U | 40% | 136% | 0% | 0% | 0% | 0% | 0% |
Premium adjustments 2025
Below you can find an overview of the current premium adjustments for the various plans at AXA.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Active-Me-U | 0% | 0% | 4% | 4% | 4% | 4% | 4% |
| ELBonus-U | 0% | 0% | 15% | 14% | 13% | 13% | 12% |
| Komfort-Zahn-U | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Kompakt-Zahn-U | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Premium-Zahn-U | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Vital300-U | 16% | -3% | 0% | 0% | 0% | 0% | 0% |
| Vital900-U | 35% | 78% | 6% | 6% | 5% | 5% | 5% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| VA2-U | -10% | 10% | -7% | -7% | -6% | -4% | -1% |
| VA6-900-U | 6% | 12% | 0% | 0% | 0% | 0% | 0% |
| VA6-U | 5% | 10% | 1% | 0% | 1% | 2% | 6% |
| VZ600-U | 7% | 7% | 6% | 4% | 2% | 2% | -1% |
| VZ Zahn-U | 0% | 0% | -29% | -27% | -24% | -21% | -15% |
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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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 AXA compared
AXA is one of the large private health insurers in Germany. Its focus is on full cover and supplementary insurance for private and business customers. 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).
6.6
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
0.9%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
1.9%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
| Indicator | AXA 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 31.9% | 30.7% | 37.4% |
| RfB allocation ratio | 6.8% | 9.9% | 10.5% |
| Equity ratio | 0.9% | 5.2% | 20.9% |
| Net interest yield | 2.3% | 3.0% | 2.8% |
| Administrative cost ratio | 1.9% | 1.9% | 2.9% |
| Claims ratio | 83.2% | 79.0% | 75.1% |
| Acquisition cost ratio | 6.1% | 6.2% | 8.0% |
| Complaints ratio (per 100,000) | 6.6 | 7.8 | 2.8 |
How to read the financial position
AXA shows an uneven picture compared with the industry. Low administrative costs speak for stable premiums. Points to note are a provision for premium refunds below the industry average, a net interest yield below market level and an increased complaints ratio. AXA belongs to the international AXA Group based in Paris, which gives it a clear place in the market.
Frequently asked questions
What happens to my ageing reserves if I change plan?
With a plan change within AXA under § 204 VVG, the reserves are kept. You only lose them if you change company.
Is the premium increase at AXA lawful at all?
The premium may not rise arbitrarily. § 203 VVG only allows an adjustment if benefit expenditure or mortality rates have changed permanently. In addition, an independent trustee reviews every increase.
How much time do I have after the premium increase?
There is no fixed deadline for an internal plan change under § 204 VVG. If you want to use the special right of termination under § 205 (4) VVG, a deadline of two months after receipt of the notice applies. An early review gives you the most room to act.
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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.
