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Do not let the first figure put you under pressure. A higher premium alone is no reason to cancel. What matters is the comparison between the new premium and the scope of your cover.
Bayerische Beamtenkrankenkasse premium increase 2026: options & alternatives
The Bayerische Beamtenkrankenkasse premium increase 2026 varies by plan and entry age and reaches up to 40 percent. Here you can find out about your rights and options.
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Premium adjustments at Bayerische Beamtenkrankenkasse
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2026
The following overview shows the BBKK premium increases as of January 1, 2026 for full cover plans for employees, self-employed and freelancers.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Vario KlinikPlus | 0% | 0-9% | 0% | 0% | 0% | 0% | 0% |
| Vario ZahnPlus | 0% | 0-9% | 14% | 13% | 13% | 13% | 12% |
| CompactPRIVAT/S | Guarantee | Guarantee | 0% | 0% | 0% | 0% | 0% |
| GesundVARIO 1600 | -10% | -10% | 36% | 37% | 38% | 39% | 40% |
| GesundVARIO 400 | 41% | 42% | 31% | 31% | 31% | 32% | 33% |
| GesundVARIO 800 | 27% | 27% | 36% | 37% | 38% | 39% | 40% |
Premium adjustments 2025
Bayerische Beamtenkrankenkasse is making a premium adjustment as of January 1, 2025 that affects the following plans.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| CompactPRIVAT - START250 A | 0% | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| CompactPRIVAT - START 250 B | 26% | 23% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| CompactPRIVAT - START 900 A | 0% | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| CompactPRIVAT - START 900 B | -12% | -2% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| CompactPRIVAT/S | Guarantee | Guarantee | 15% | 16% | 16% | 17% | 18% |
| CompactPRIVAT/S - PLUS | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundVARIO 1600 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundVARIO 400 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundVARIO 800 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
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 Bayerische Beamtenkrankenkasse compared
Bayerische Beamtenkrankenkasse is a specialist insurer focused on civil servants and candidates for civil service. Its focus is on Beihilfe BeihilfeThe state healthcare allowance for civil servants. The Beihilfestelle pays a fixed share of medical costs, the Beihilfesatz, and private insurance covers the rest.More about Beihilfe → top-up cover and full cover for the public sector. 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).
10.0%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
1.8%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
1.9
Complaints ratio
Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.
| Indicator | Bayerische Beamtenkrankenkasse 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 31.2% | 29.5% | 37.4% |
| RfB allocation ratio | 5.5% | 6.8% | 10.5% |
| Equity ratio | 10.0% | 11.6% | 20.9% |
| Net interest yield | 2.1% | 2.6% | 2.8% |
| Administrative cost ratio | 1.8% | 2.0% | 2.9% |
| Claims ratio | 86.7% | 82.2% | 75.1% |
| Acquisition cost ratio | 6.5% | 6.0% | 8.0% |
| Complaints ratio (per 100,000) | 1.9 | 2.7 | 2.8 |
How to read the financial position
Bayerische Beamtenkrankenkasse shows a mixed but fundamentally sound picture compared with the industry. Low administrative costs and a low complaints ratio speak for stable premiums. Points to note are a provision for premium refunds below the industry average and a net interest yield below market level. Bayerische Beamtenkrankenkasse is focused on the public sector, which gives it a clear place in the market.
Frequently asked questions
Do I keep my ageing reserves if I change plan within Bayerische Beamtenkrankenkasse?
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 Bayerische Beamtenkrankenkasse 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.
