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Stay calm
A premium increase often seems drastic at first. But it is not an automatic reason to cancel. First check how large the adjustment really is and which benefits you get for your premium.
Continentale premium increase 2027: options & alternatives
Continentale has announced premium adjustments in full cover and in the doctors' plans as of January 1, 2027. How much it affects you depends on your plan and your entry age. Here you can see the figures and your options.
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Premium increase at Continentale: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Continentale
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, Continentale has announced premium adjustments in full cover and in the doctors' plans. How high the adjustment is depends on the plan and the entry age. For adults, some plans stay unchanged thanks to a premium guarantee. Some figures for children and young people are still pending, and we will add them as soon as they are available.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Business | 12% | 9% | 5% | 5% | 5% | 6% | 6% |
| Comfort-U | 0% | 0% | 5% | 6% | 7% | 8% | 9% |
| Premium | pending | pending | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Economy-U | 6% | -4% | 9% | 10% | 12% | 13% | 15% |
| SP1 | pending | pending | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| SP2 | 11% | 23% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Comfort-MED | 0% | 0% | 7% | 8% | 9% | 10% | 12% |
| PREMIUM-MED | pending | pending | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Premium adjustments 2026
As of January 1, 2026, Continentale is increasing premiums in several full cover plans for employees, self-employed and freelancers.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Business | 24% | 24% | 9% | 10% | 11% | 12% | 14% |
| Comfort-U | 11% | 20% | 16% | 16% | 16% | 16% | 17% |
| Premium | 12% | 21% | 14% | 15% | 15% | 15% | 16% |
| Economy-U | 29% | 17% | 10% | 10% | 10% | 10% | 10% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Comfort-MED | 11% | 20% | 13% | 13% | 13% | 14% | 15% |
| PREMIUM-MED | 13% | 21% | 12% | 12% | 13% | 13% | 14% |
Premium adjustments 2025
The following table gives an overview of the premium increases at Continentale in 2025. The plan adjustments apply from January 1, 2025.
Plan increases, full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Business | 39% | 48% | 9% | 10% | 10% | 10% | 10% |
| Comfort-U | 22% | 30% | 19% | 20% | 20% | 20% | 20% |
| Premium | 20% | 30% | 21% | 21% | 21% | 22% | 23% |
| SP1 | 0% | 0% | -6% | -6% | -5% | -4% | -2% |
| Economy-U | 10% | 9% | 21% | 20% | 20% | 21% | 21% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Comfort-MED | 23% | 30% | 21% | 21% | 20% | 20% | 22% |
| PREMIUM-MED | 20% | 30% | 20% | 20% | 20% | 20% | 23% |
Premium adjustments 2024
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| Business | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Comfort-U | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Premium | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| SP1 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| SP2 | 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 Continentale compared
Continentale is a private health insurer that works mainly with brokers. Its focus is on full cover and supplementary insurance through independent sales partners. 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).
27.5%
Equity ratio
Above the industry average of 20.9 percent: a solid safety cushion.
2.3%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
84.6%
Claims ratio
Above the industry average of 75.1 percent: above-average benefit expenditure, a factor for future adjustments.
| Indicator | Continentale 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 36.9% | 39.3% | 37.4% |
| RfB allocation ratio | 8.0% | 9.7% | 10.5% |
| Equity ratio | 27.5% | 27.0% | 20.9% |
| Net interest yield | 2.5% | 2.8% | 2.8% |
| Administrative cost ratio | 2.3% | 2.4% | 2.9% |
| Claims ratio | 84.6% | 80.4% | 75.1% |
| Acquisition cost ratio | 6.9% | 6.6% | 8.0% |
| Complaints ratio (per 100,000) | 2.7 | 3.0 | 2.8 |
How to read the financial position
Continentale 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. Continentale belongs to the Continentale insurance group, 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 Continentale under § 204 VVG, the reserves are kept. You only lose them if you change company.
Is the premium increase at Continentale 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.
