Barmenia premium increase 2027: options & alternatives

Barmenia is adjusting premiums in full cover as of January 1, 2027. For adults, the adjustment is between 0 and 19 percent depending on the plan, for children and young people it goes up to 52 percent. Here you can see the figures and your options.

Tim Bökemeier, PKV-Welt
ProvenExpert: Top Empfehlung 2026 TÜV Saarland: Kundenzufriedenheit sehr gut F.A.Z. Kaufkompass: Das Testportal des F.A.Z.-Verlags 4,96 · 235 reviews

Featured in leading trade media

FOCUS Online Handelsblatt AssCompact DAS INVESTMENT FONDS professionell ONLINE Pfefferminzia wallstreet:online VersicherungsJournal Wirtschaftsforum FAZ Kaufkompass Westfalen-Blatt krankenkassen-direkt.de FOCUS Online Handelsblatt AssCompact DAS INVESTMENT FONDS professionell ONLINE Pfefferminzia wallstreet:online VersicherungsJournal Wirtschaftsforum FAZ Kaufkompass Westfalen-Blatt krankenkassen-direkt.de

Premium increase at Barmenia: what now?

Exclusive tips from our experts on how to handle your premium adjustment.

01

No hasty steps

A premium adjustment is normal in private health insurance and no reason for hasty steps. Check objectively how much your premium rises and whether the benefits still fit your needs.

02

Keep an eye on deadlines

Look at when the increase applies, how high the new premium is and what reason the insurer gives. This way you see faster whether you need to act and which options are realistic.

03

Plan change instead of a rash decision

Before you think about switching to another insurer, check whether a plan change under § 204 VVG within Barmenia makes sense. Barmenia offers a wide range of plans that opens up concrete options for a change. This is often the simpler way to a lower premium without setting up your cover completely from scratch.

04

Compare benefits consciously

A cheaper plan saves money, but sometimes at the expense of important benefits. Compare carefully which benefits remain and which are dropped before you change your mind.

05

Make targeted use of experience

Have your options reviewed independently. We know the plan range of Barmenia and show you how you can respond without putting the ageing reserves you have built up at risk.

Premium adjustments at Barmenia

The specific adjustments by plan and entry age. Open a year to see the details.

Premium adjustments 2027

As of January 1, 2027, Barmenia is adjusting premiums in full cover, in the einsA plans for employees, self-employed and freelancers as well as in the doctors' plans. In the plans einsAexpert and einsAprima, premiums for adults stay unchanged, and for children and young people they rise sharply. Children in the doctors' plans VHV3 are hit hardest.

Full cover (employees, self-employed, freelancers)

Age (entry age in years)
Plan7172632384455
einsAexpert (EXP1)19%18%0%0%0%0%0%
einsAexpert (EXP2)19%17%0%0%0%0%0%
einsAexpert (EXP3)19%19%0%0%0%0%0%
einsAexpert+ (EXP1+)20%18%3%4%4%4%5%
einsAexpert+ (EXP2+)20%18%3%3%3%3%5%
einsAexpert+ (EXP3+)23%23%0%1%0%0%1%
einsAprima (PRIM1)19%18%0%0%0%0%0%
einsAprima (PRIM2)19%17%0%0%0%0%0%
einsAprima (PRIM3)19%21%0%0%0%0%0%
einsAprima+ (PRIM1+)15%13%4%4%5%5%6%
einsAprima+ (PRIM2+)15%13%9%11%12%12%13%
einsAprima+ (PRIM3+)15%15%3%5%6%6%7%
einsAprimex (PRIMX1)5%6%5%7%8%9%8%
einsAprimex (PRIMX2)5%4%11%12%13%13%13%
einsAprimex (PRIMX3)5%7%7%8%9%9%8%

Doctors' plans

Age (entry age in years)
Plan7172632384455
(B) VHV2+0%0%19%13%14%0%0%
(B) VHV3+39%28%18%8%8%0%0%
VHV2A+0%0%8%8%7%8%8%
VHV2C+0%0%8%8%8%8%8%
VHV2D+0%0%9%8%8%8%9%
VHV2E+0%0%10%9%9%9%10%
VHV3A+39%29%5%5%5%6%7%
VHV3C+42%30%5%6%6%6%7%
VHV3D+45%30%6%6%6%6%7%
VHV3E+52%32%6%6%6%7%8%
VZK1A+14%2%9%10%10%10%11%
VZK1C+15%1%10%10%10%10%11%
VZK1D+16%1%10%10%11%11%11%
VZK1E+19%1%11%11%12%12%12%
VZK2A+0%0%10%9%9%9%10%
VZK2C+0%0%10%10%9%10%10%
VZK2D+0%0%11%10%10%10%10%
VZK2E+0%0%12%11%11%11%11%
VZK3A+25%14%6%6%6%7%8%
VZK3C+28%15%7%7%7%7%8%
VZK3D+31%15%7%7%7%7%8%
VZK3E+38%16%7%8%8%8%9%
Premium adjustments 2026

Have you received a letter? Barmenia is increasing its premiums as of January 1, 2026. Here you can find an overview of the plans in which an adjustment takes place:

Full cover (employees, self-employed, freelancers)

Age (entry age in years)
Plan7172632384455
einsAexpert (EXP1)9%9%9%10%10%11%11%
einsAexpert (EXP2)9%9%9%9%10%10%11%
einsAexpert (EXP3)9%10%10%10%11%11%12%
einsAexpert+ (EXP1+)no adjustmentno adjustment9%10%10%11%12%
einsAexpert+ (EXP2+)no adjustmentno adjustment10%10%11%11%12%
einsAexpert+ (EXP3+)no adjustmentno adjustment11%11%11%12%13%
einsAprima (PRIM1)26%44%12%12%13%13%13%
einsAprima (PRIM2)26%44%11%11%12%12%12%
einsAprima (PRIM3)26%42%14%16%16%17%17%
einsAprima+ (PRIM1+)8%9%11%12%12%12%12%
einsAprima+ (PRIM2+)8%8%12%12%12%13%13%
einsAprima+ (PRIM3+)8%10%13%13%13%14%15%
einsAprimex (PRIMX1)19%31%13%14%14%14%15%
einsAprimex (PRIMX2)19%30%13%14%14%15%15%
einsAprimex (PRIMX3)19%32%14%15%15%16%16%

Doctors' plans

Age (entry age in years)
Plan7172632384455
(B) VHV1+16%5%13%11%13%0%0%
(B) VHV2+14%0%12%13%13%0%0%
(B) VHV3+Guarantee0%-2%15%15%0%0%
VHV1A+16%5%10%10%10%10%11%
VHV1C+17%5%10%10%10%10%11%
VHV1D+18%5%11%11%11%11%12%
VHV1E+21%4%12%12%12%12%12%
VHV2A+14%0%10%10%10%11%12%
VHV2C+16%0%11%11%11%11%12%
VHV2D+18%0%11%11%11%12%13%
VHV2E+21%0%12%13%13%13%14%
VHV3A+GuaranteeGuarantee11%11%11%11%12%
VHV3C+GuaranteeGuarantee11%12%12%12%12%
VHV3D+GuaranteeGuarantee12%12%12%12%13%
VHV3E+GuaranteeGuarantee14%14%14%14%14%
VZK1A+14%2%9%10%10%10%11%
VZK1C+15%1%10%10%10%10%11%
VZK1D+16%1%10%10%11%11%11%
VZK1E+19%1%11%11%12%12%12%
VZK2A+12%-3%10%10%10%11%12%
VZK2C+14%-3%10%11%11%11%12%
VZK2D+16%-3%11%11%11%12%12%
VZK2E+19%-4%12%12%12%13%14%
VZK3A+GuaranteeGuarantee12%12%12%13%13%
VZK3C+GuaranteeGuarantee11%11%12%12%12%
VZK3D+GuaranteeGuarantee12%12%12%12%13%
VZK3E+GuaranteeGuarantee13%13%13%13%14%
Premium adjustments 2025

The following table shows the current plan adjustments of Barmenia from January 1, 2025 for various age groups. In the vast majority of cases, there is a premium increase:

Premium increase, full cover

Age (entry age in years)
Plan7172632384455
einsAexpert (EXP1)15%29%12%12%12%12%13%
einsAexpert (EXP2)11%24%9%9%9%9%10%
einsAexpert (EXP3)2%12%8%7%6%6%7%
einsAexpert+ (EXP1+)14%25%12%12%11%11%12%
einsAexpert+ (EXP2+)14%25%8%8%8%8%9%
einsAexpert+ (EXP3+)4%14%6%6%5%6%7%
einsAprima (PRIM1)0%0%14%13%13%12%12%
einsAprima (PRIM2)0%0%13%12%12%11%10%
einsAprima (PRIM3)0%0%4%4%4%4%4%
einsAprima+ (PRIM1+)18%24%16%16%16%17%18%
einsAprima+ (PRIM2+)18%25%11%11%11%12%13%
einsAprima+ (PRIM3+)18%24%9%9%10%11%12%
einsAprimex (PRIMX1)0%0%7%7%7%7%8%
einsAprimex (PRIMX2)0%0%6%5%5%4%3%
einsAprimex (PRIMX3)0%0%3%3%3%2%1%

Doctors' plans

Age (entry age in years)
Plan7172632384455
(B) VHV1+18%25%16%16%19%0%0%
(B) VHV2+29%25%19%18%12%0%0%
(B) VHV3+0%0%37%23%13%0%0%
VHV1A+18%25%13%13%13%13%13%
VHV1C+19%26%13%13%13%13%13%
VHV1D+21%28%13%13%13%13%13%
VHV1E+25%31%12%13%13%13%13%
VHV2A+29%25%10%11%11%12%13%
VHV2C+31%26%10%11%11%12%13%
VHV2D+34%27%10%10%11%12%13%
VHV2E+39%29%10%10%11%12%13%
VHV3A+0%0%15%14%15%16%17%
VHV3C+0%0%15%14%14%16%17%
VHV3D+0%0%15%14%14%16%17%
VHV3E+0%0%16%15%15%17%19%
VZK1A+25%25%14%14%13%13%13%
VZK1C+38%33%14%14%13%13%13%
VZK1D+64%49%14%13%13%13%13%
VZK1E+109%64%13%13%12%12%12%
VZK2A+28%27%9%8%8%8%7%
VZK2C+43%37%8%8%7%8%7%
VZK2D+71%53%7%7%7%7%6%
VZK2E+117%70%6%6%6%6%5%
VZK3A+7%3%13%11%11%12%11%
VZK3C+19%10%14%12%12%13%13%
VZK3D+40%22%14%12%12%12%12%
VZK3E+75%33%13%11%11%12%12%
Premium adjustments 2024

Full cover

Age (entry age in years)
Plan7172632384455
einsAexpert (EXP1)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAexpert (EXP2)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAexpert (EXP3)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAexpert+ (EXP1+)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAexpert+ (EXP2+)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAexpert+ (EXP3+)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAprima (PRIM1)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAprima (PRIM2)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAprima (PRIM3)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAprima+ (PRIM1+)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAprima+ (PRIM2+)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAprima+ (PRIM3+)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
einsAprimex (PRIMX1)Guarantee0%8%8%8%6%5%
einsAprimex )PRIMX2)Guarantee0%11%10%9%8%7%
einsAprimex (PRIMX3)Guarantee0%10%10%9%8%7%

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.

Please answer three short questions about the person who is to be insured.

Currently insured
Occupation

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.

Change your answers +49 179 7998239
 

Please choose a day

Loading free appointments

How would you like to talk?

Required field

Free of charge and without obligation. You receive a confirmation by email right away and can cancel the appointment at any time. The consultation is in English.

Your appointment is booked

The confirmation is on its way to your inbox.

Financial stability of Barmenia compared

Barmenia is an established private health insurer in the German market. Its focus is on health, long-term care 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).

1.2

Complaints ratio

Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.

18.1%

RfB ratio

Below the industry average of 37.4 percent: a comparatively narrow buffer for future adjustments.

84.1%

Claims ratio

Above the industry average of 75.1 percent: above-average benefit expenditure, a factor for future adjustments.

IndicatorBarmenia 202410-year averageIndustry average
RfB ratio18.1%28.6%37.4%
RfB allocation ratio4.2%9.4%10.5%
Equity ratio21.8%24.0%20.9%
Net interest yield3.0%3.1%2.8%
Administrative cost ratio2.6%2.4%2.9%
Claims ratio84.1%78.6%75.1%
Acquisition cost ratio10.8%9.4%8.0%
Complaints ratio (per 100,000)1.22.42.8

How to read the financial position

Barmenia 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. Barmenia operates as an independent insurance 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.

May Barmenia simply increase my premium?

The legal basis is § 203 VVG. An increase is only allowed if the calculated benefit expenditure or mortality rates have changed permanently, and it must be approved by an independent trustee.

Is there a deadline I need to keep?

You can start the plan change under § 204 VVG at any time. For the special right of termination under § 205 (4) VVG, however, you only have two months from receipt of the notice. If you check early, you keep all options open.

You may also be interested in

Premium increase

Premium increase in private health insurance: your rights

Policyholders

Plan change under § 204 VVG

Policyholders

Special right of termination

Costs

Premium stability in private health insurance

Costs

Private health insurance premiums in old age

Contact our experts

Get all your questions answered, free of charge and without obligation.

Talk to an expert

Personal advice from our specialists. Response time: under 24 hours.

The PKV-Welt team: Tim and Sandra Bökemeier
Direct contact
Call+49 521 9779 8232 Email WhatsApp

Please answer three short questions about the person who is to be insured.

Currently insured
Occupation

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.

Change your answers +49 179 7998239
 

Please choose a day

Loading free appointments

How would you like to talk?

Required field

Free of charge and without obligation. You receive a confirmation by email right away and can cancel the appointment at any time. The consultation is in English.

Your appointment is booked

The confirmation is on its way to your inbox.