Hanse Merkur premium increase 2027: options & alternatives

Hanse Merkur is adjusting premiums in several full cover plans as of January 1, 2027. For adults, the adjustment is between 7 and 14 percent depending on the plan, and some plans are protected by a premium guarantee. Here you can see the figures and your options.

Tim Bökemeier, PKV-Welt
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Premium increase at Hanse Merkur: what now?

Exclusive tips from our experts on how to handle your premium adjustment.

01

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.

02

Check the details in the letter

Go through the letter point by point. Which plan is affected, from when the new premium applies and how the adjustment is justified. Only with this information can you plan the next step.

03

Plan change instead of a rash decision

Before you think about switching to another insurer, check whether a plan change under § 204 VVG within Hanse Merkur makes sense. This is often the simpler way to a lower premium without setting up your cover completely from scratch.

04

Compare benefits

When you look at another plan, the overall picture counts. An attractive price is of little use if key benefits that you will need later are missing.

05

Make targeted use of experience

Have your options reviewed independently. We know the plan range of Hanse Merkur and show you how you can respond without putting the ageing reserves you have built up at risk.

Premium adjustments at Hanse Merkur

The specific adjustments by plan and entry age. Open a year to see the details.

Premium adjustments 2027

As of January 1, 2027, Hanse Merkur is adjusting premiums in several full cover plans. A premium guarantee applies to the plans AZP, PS3 and EGO2, and for KVP it applies to adults. In the plans KVS and KVT, premiums for adults rise by 7 to 14 percent.

Full cover

Age (entry age in years)
Plan7172632384455
AZP (BRE)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
AZP (Beitragsstundung)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVP (BRE)9%9%GuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVP (Beitragsstundung)9%9%GuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVS19%9%14%14%14%14%14%
KVS39%9%12%12%12%12%12%
KVT50014%18%9%9%8%7%7%
KVT100014%18%11%12%12%12%12%
PS3GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
EGO2GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
Premium adjustments 2026

Premium adjustments take effect at Hanse Merkur as of January 1, 2026. We have put all changes together clearly for you. If you are unsure which options you now have, we are happy to support you in person in reviewing them.

Full cover

Age (entry age in years)
Plan7172632384455
AZP (BRE)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
AZP (Beitragsstundung)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
PSV-13%-8%-6%-7%-7%-7%-7%
KVP (BRE)13%13%GuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVP (Beitragsstundung)13%13%GuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVS113%13%17%17%16%16%16%
KVS313%13%12%12%12%13%13%
KVT50020%40%10%10%10%10%10%
PS36%22%26%22%19%17%17%
KVT100020%40%11%12%13%15%12%
Premium adjustments 2025

Hanse Merkur announces an adjustment of plans for employees, self-employed and freelancers as of January 1, 2025:

Full cover

Age (entry age in years)
Plan7172632384455
AZP (BRE)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
AZP (Beitragsstundung)GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
EGO2GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVP (BRE)14%GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVP (Beitragsstundung)14%GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVS114%GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
KVS314%14%12%12%11%11%12%
KVT500Guarantee0%7%6%5%5%6%
PS3GuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee
PSVGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuaranteeGuarantee

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.

Contact us

We review your premium increase free of charge and without obligation.

Please answer three short questions about the person who is to be insured.

Currently insured
Occupation

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.

Change your answers +49 179 7998239
 

Please choose a day

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Free of charge and without obligation. You receive a confirmation by email right away and can cancel the appointment at any time. The consultation is in English.

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Financial stability of Hanse Merkur compared

Hanse Merkur is an established private health insurer with a focus on the Hamburg area. Its focus is on health, supplementary and travel 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).

1.9%

Administrative cost ratio

Below the industry average of 2.9 percent: a lean, efficient cost structure.

1.9

Complaints ratio

Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.

2.4%

Net interest yield

Below the industry average of 2.8 percent: lower investment income, to be considered in the overall picture.

IndicatorHanse Merkur 202410-year averageIndustry average
RfB ratio35.0%48.3%37.4%
RfB allocation ratio5.5%12.0%10.5%
Equity ratio19.2%18.6%20.9%
Net interest yield2.4%3.4%2.8%
Administrative cost ratio1.9%2.0%2.9%
Claims ratio76.9%72.1%75.1%
Acquisition cost ratio14.5%12.8%8.0%
Complaints ratio (per 100,000)1.92.22.8

How to read the financial position

Hanse Merkur 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. Hanse Merkur is an independent insurer from Hamburg, 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 Hanse Merkur under § 204 VVG, the reserves are kept. You only lose them if you change company.

Is the premium increase at Hanse Merkur 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.

You may also be interested in

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Plan change under § 204 VVG

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Special right of termination

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Premium stability in private health insurance

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Private health insurance premiums in old age

Contact our experts

Get all your questions answered, free of charge and without obligation.

Talk to an expert

Personal advice from our specialists. Response time: under 24 hours.

The PKV-Welt team: Tim and Sandra Bökemeier
Direct contact
Call+49 521 9779 8232 Email WhatsApp

Please answer three short questions about the person who is to be insured.

Currently insured
Occupation

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.

Change your answers +49 179 7998239
 

Please choose a day

Loading free appointments

How would you like to talk?

Required field

Free of charge and without obligation. You receive a confirmation by email right away and can cancel the appointment at any time. The consultation is in English.

Your appointment is booked

The confirmation is on its way to your inbox.