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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.
Generali premium increase 2026: options & alternatives
The Generali premium increase 2026 varies by plan and entry age and reaches up to 9 percent. Here you can find out about your rights and options.
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Premium increase at Generali: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Generali
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2026
The following table shows the Generali premium increases in private health insurance as of January 1, 2026.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| GesundPro1 | 0% | 0% | 5% | 5% | 6% | 7% | 8% |
| GesundPro2 | 0% | 0% | 3% | 4% | 6% | 6% | 7% |
| GesundProP | 0% | 0% | 7% | 8% | 8% | 8% | 9% |
| GesundSmart | 7% | 8% | 0% | 0% | 0% | 0% | 0% |
Premium adjustments 2025
Compared with other insurers, the premium adjustments of Generali health insurance are rather in the lower midfield. They take effect on January 1, 2025.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| GesundPro1 | 0% | 0% | 4% | 3% | 3% | 3% | 3% |
| GesundPro2 | 0% | 0% | 2% | 3% | 3% | 3% | 4% |
| GesundPro3 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| GesundProP | 0% | 0% | 3% | 3% | 3% | 3% | 3% |
| GesundSmart | 0% | 0% | 3% | 3% | 2% | 3% | 3% |
Premium adjustments 2024
The following table gives an overview of the plans affected by the Generali premium adjustment 2024:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| GesundPro1 | 0% | 0% | 11% | 12% | 12% | 12% | 11% |
| GesundPro2 | 12% | 16% | 11% | 12% | 11% | 11% | 10% |
| GesundPro3 | 13% | 17% | 0% | 0% | 0% | 0% | 0% |
| GesundProP | 0% | 0% | 12% | 13% | 13% | 12% | 12% |
| GesundSmart | -9% | -6% | 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 Generali compared
Generali is a large private health insurer with an international background. Its focus is on full cover 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).
4.5%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
3.5%
Administrative cost ratio
Above the industry average of 2.9 percent: comparatively high administrative costs.
3.1
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
| Indicator | Generali 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 35.5% | 45.6% | 37.4% |
| RfB allocation ratio | 9.1% | 12.5% | 10.5% |
| Equity ratio | 4.5% | 8.5% | 20.9% |
| Net interest yield | 2.5% | 2.8% | 2.8% |
| Administrative cost ratio | 3.5% | 3.3% | 2.9% |
| Claims ratio | 79.2% | 74.3% | 75.1% |
| Acquisition cost ratio | 7.4% | 6.0% | 8.0% |
| Complaints ratio (per 100,000) | 3.1 | 3.3 | 2.8 |
How to read the financial position
Generali shows an uneven picture compared with the industry. Points to note are a provision for premium refunds below the industry average, comparatively high administrative costs, a net interest yield below market level and an increased complaints ratio. Generali belongs to the international Generali 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 Generali under § 204 VVG, the reserves are kept. You only lose them if you change company.
Is the premium increase at Generali 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.
