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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.
Debeka premium increase: options & alternatives
The Debeka premium increase varies by plan and entry age and reaches up to 10 percent. Here you can find out about your rights and options.
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Premium increase at Debeka: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Debeka
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2025
From January 1, 2025, Debeka is again making a premium adjustment that affects employees in particular. The premium increase will be in the high single digits.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| N | 0% | 0% | 3-9% | 3-9% | 3-9% | 3-9% | 3-9% |
| N-SB | 0% | 0% | 3-9% | 3-9% | 3-9% | 3-9% | 3-9% |
| NW | 0% | 0% | 3-9% | 3-9% | 3-9% | 3-9% | 3-9% |
| NW-SB | 0% | 0% | 3-9% | 3-9% | 3-9% | 3-9% | 3-9% |
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 Debeka compared
Measured by the number of insured persons, Debeka is one of the largest private health insurers in Germany. Its focus is on full cover with an emphasis on 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).
11.2%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
1.6%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
2.3%
Net interest yield
Below the industry average of 2.8 percent: lower investment income, to be considered in the overall picture.
| Indicator | Debeka 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 31.1% | 35.0% | 37.4% |
| RfB allocation ratio | 11.6% | 9.4% | 10.5% |
| Equity ratio | 11.2% | 12.7% | 20.9% |
| Net interest yield | 2.3% | 3.1% | 2.8% |
| Administrative cost ratio | 1.6% | 1.4% | 2.9% |
| Claims ratio | 85.6% | 87.0% | 75.1% |
| Acquisition cost ratio | 4.1% | 4.1% | 8.0% |
| Complaints ratio (per 100,000) | 2.8 | 1.8 | 2.8 |
How to read the financial position
Debeka 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 and a net interest yield below market level. Debeka is the largest mutual private health insurer, 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 Debeka 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.
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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.
