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Check objectively
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.
Gothaer premium increase 2027: options & alternatives
Gothaer is adjusting premiums in full cover as of January 1, 2027. For adults, the adjustment is between 0 and 13 percent depending on the plan, for children and young people it goes up to 24 percent. Here you can see the figures and your options.
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Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Gothaer
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, Gothaer is adjusting premiums in full cover for employees, self-employed and freelancers. For adults, most plans are between 7 and 13 percent, and only MediVita Z 70 stays unchanged. For children and young people, the range is wider.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MediVita 250 | 15% | 24% | 8% | 7% | 6% | 5% | 5% |
| MediVita 500 | 0% | 0% | 10% | 10% | 10% | 10% | 10% |
| MediStart1 BO | 10% | 11% | 9% | 9% | 10% | 10% | 10% |
| MediStart 1SB | 13% | 13% | 10% | 10% | 10% | 11% | 11% |
| MediVita Z 70 | 14% | 14% | 0% | 0% | 0% | 0% | 0% |
| MediVita Z 90 | 9% | 9% | 13% | 11% | 11% | 11% | 11% |
| MediCompact Plus 240 | 0% | 0% | 7% | 8% | 8% | 8% | 9% |
| MediCompact Plus 480 | 0% | 0% | 8% | 8% | 8% | 8% | 9% |
| MediCompact Premium 1440 | 0% | 0% | 11% | 11% | 12% | 12% | 12% |
| MediCompact Premium 240 | 0% | 0% | 10% | 10% | 10% | 11% | 11% |
| MediCompact Premium 480 | 0% | 0% | 10% | 10% | 11% | 11% | 11% |
| MediCompact Premium 960 | 0% | 0% | 11% | 11% | 11% | 11% | 12% |
Premium adjustments 2026
The Gothaer premium increase 2026 affects the following plans.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MediVita 250 | 16% | 17% | 13% | 13% | 13% | 12% | 13% |
| MediVita 500 | 20% | 17% | 17% | 16% | 16% | 15% | 15% |
| MediStart1 BO | 13% | 13% | 14% | 14% | 14% | 14% | 14% |
| MediStart 1SB | 18% | 18% | 16% | 16% | 15% | 15% | 15% |
| MAX 1 | 2% | 13% | 12% | 11% | 10% | 10% | 10% |
| MAX 2 | 17% | 14% | 14% | 13% | 13% | 13% | 12% |
| MediVita Z 70 | 25% | 25% | 0% | 0% | 0% | 0% | 0% |
| MediVita Z 90 | 25% | 25% | 0% | 0% | 0% | 0% | 0% |
| MediCompact Plus 240 | 19% | 16% | 15% | 14% | 14% | 14% | 13% |
| MediCompact Plus 480 | 21% | 18% | 16% | 15% | 14% | 14% | 14% |
| MediCompact Premium 1440 | 25% | 20% | 17% | 16% | 16% | 16% | 16% |
| MediCompact Premium 240 | 19% | 16% | 15% | 15% | 14% | 14% | 14% |
| MediCompact Premium 480 | 21% | 17% | 15% | 15% | 15% | 15% | 14% |
| MediCompact Premium 960 | 23% | 19% | 16% | 15% | 15% | 15% | 15% |
| MediComfort | 17% | 17% | 8% | 8% | 8% | 8% | 8% |
Premium adjustments 2025
Changes are coming at Gothaer at the turn of the year: some plans will be adjusted on January 1, 2025. You can find out here which ones exactly are affected.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MediVita 250 | 11% | 14% | 9% | 9% | 10% | 11% | 11% |
| MediVita 500 | 18% | 16% | 15% | 15% | 15% | 15% | 15% |
| MediStart1 BO | 3% | 8% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| MediStart 1SB | 4% | 11% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| MAX 1 | 2% | 11% | 10% | 7% | 6% | 5% | 3% |
| MAX 2 | 0% | 0% | 8% | 6% | 4% | 4% | 4% |
| MediVita Z 70 | 19% | 11% | 9% | 9% | 8% | 8% | 8% |
| MediVita Z 90 | 16% | 8% | 10% | 12% | 13% | 14% | 15% |
| MediCompact Plus 240 | 17% | 14% | 13% | 13% | 14% | 14% | 14% |
| MediCompact Plus 480 | 19% | 15% | 14% | 14% | 14% | 14% | 14% |
| MediCompact Premium 1440 | 24% | 18% | 19% | 18% | 18% | 18% | 18% |
| MediCompact Premium 240 | 17% | 14% | 16% | 15% | 15% | 15% | 15% |
| MediCompact Premium 480 | 19% | 15% | 16% | 16% | 16% | 16% | 16% |
| MediCompact Premium 960 | 21% | 16% | 18% | 17% | 17% | 17% | 17% |
Premium adjustments 2024
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| MediComfort | 0% | 0% | 9% | 8% | 7% | 6% | 6% |
| MediNaturaP | 0% | 0% | 10% | 13% | 16% | 17% | 16% |
| MediStart1 BO | 0% | 0% | 2% | 2% | 2% | 2% | 3% |
| MediStart 1SB | 0% | 0% | 2% | 2% | 2% | 2% | 3% |
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 Gothaer compared
Gothaer is a member-led private health insurer. Its focus is on health 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).
13.2%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
24.1%
RfB ratio
Below the industry average of 37.4 percent: a comparatively narrow buffer for future adjustments.
84.1%
Claims ratio
Above the industry average of 75.1 percent: above-average benefit expenditure, a factor for future adjustments.
| Indicator | Gothaer 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 24.1% | 28.6% | 37.4% |
| RfB allocation ratio | 4.3% | 11.0% | 10.5% |
| Equity ratio | 13.2% | 15.2% | 20.9% |
| Net interest yield | 3.1% | 3.5% | 2.8% |
| Administrative cost ratio | 2.6% | 2.6% | 2.9% |
| Claims ratio | 84.1% | 77.8% | 75.1% |
| Acquisition cost ratio | 7.3% | 5.6% | 8.0% |
| Complaints ratio (per 100,000) | 2.8 | 3.6 | 2.8 |
How to read the financial position
Gothaer shows a mixed but fundamentally sound picture compared with the industry. Low administrative costs and an above-average net interest yield speak for stable premiums. A point to note is a provision for premium refunds below the industry average. Gothaer is organized as a mutual insurance association, 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 Gothaer 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.
