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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.
DKV premium increase 2026: options & alternatives
The DKV premium increase 2026 varies by plan and entry age and reaches up to 35 percent. Here you can find out about your rights and options.
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Premium increase at DKV: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at DKV
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2026
The following tables show the premium adjustments of DKV as of April 1, 2026 known to us, by plan and age group. They are based on the current information on the DKV premium increase 2026 for full cover (employees, self-employed, freelancers).
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| BestMedKomfort BMK/0 | 17% | 19% | 0% | 0% | 0% | 0% | 0% |
| BestMedKomfort BMK/1 | 17% | 16% | 4% | 4% | 4% | 4% | 4% |
| BestMedKomfort BMK/2 | 4% | 7% | 12% | 12% | 13% | 13% | 14% |
| BestMedKomfort BMK/3 | 8% | 7% | 12% | 12% | 12% | 13% | 13% |
| BestMed Eco BME / 1 | 19% | 20% | 4% | 4% | 4% | 4% | 4% |
| BestMed Eco BME / 2 | 21% | 35% | 0% | 0% | 0% | 0% | 0% |
| PremiumMed PMN 0 | 10% | 30% | 6% | 6% | 7% | 7% | 9% |
| PremiumMed PMN 1 | 10% | 30% | 5% | 6% | 6% | 7% | 8% |
| PremiumMed PMN 2 | 12% | 32% | 7% | 8% | 9% | 9% | 10% |
| PremiumMed Arzt PMN 0 | 12% | 24% | 5% | 6% | 6% | 6% | 7% |
| PremiumMed Arzt PMN 1 | 13% | 24% | 5% | 5% | 5% | 6% | 7% |
| PremiumMed Arzt PMN 2 | 17% | 26% | 7% | 8% | 8% | 8% | 9% |
Premium adjustments 2025
As of April 1, 2025, DKV is increasing premiums in some full cover plans for employees, self-employed and freelancers.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| BestMedKomfort BMK/0 | 0% | 0% | 11% | 11% | 11% | 11% | 11% |
| BestMedKomfort BMK/1 | 0% | 0% | 17% | 17% | 17% | 17% | 17% |
| BestMedKomfort BMK/2 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| BestMedKomfort BMK/3 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
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 DKV compared
DKV is one of the large private health insurers in Germany. Its focus is on full cover and supplementary insurance with a wide range. 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).
8.7%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
1.7
Complaints ratio
Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.
23.6%
RfB ratio
Below the industry average of 37.4 percent: a comparatively narrow buffer for future adjustments.
| Indicator | DKV 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 23.6% | 30.1% | 37.4% |
| RfB allocation ratio | 5.5% | 10.1% | 10.5% |
| Equity ratio | 8.7% | 9.5% | 20.9% |
| Net interest yield | 3.0% | 3.0% | 2.8% |
| Administrative cost ratio | 2.7% | 2.8% | 2.9% |
| Claims ratio | 84.6% | 76.6% | 75.1% |
| Acquisition cost ratio | 5.6% | 5.4% | 8.0% |
| Complaints ratio (per 100,000) | 1.7 | 2.4 | 2.8 |
How to read the financial position
DKV 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. DKV belongs to the ERGO Group and thus to Munich Re, which gives it a clear place in the market.
Frequently asked questions
Do I keep my ageing reserves if I change plan within DKV?
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 DKV 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.
