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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.
Inter premium increase 2027: options & alternatives
Inter 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 ranges from minus 7 to plus 31 percent. Here you can see the figures and your options.
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Premium increase at Inter: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Inter
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, Inter is adjusting premiums in full cover, in the QualiMed plans as well as in the plans for physicians and dentists. In the QualiMed Basis plans, premiums for children and young people fall. Premiums rise most in the dentists' plans ZAMLBest 2 and ZAZ U.
Private plans for employees, self-employed, freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| QualiMED Basis 1200 U | -7% | -7% | 4% | 4% | 5% | 5% | 7% |
| QualiMed Basis 300 U | -5% | -5% | 5% | 5% | 5% | 6% | 7% |
| QualiMed Basis 600 U | -2% | -2% | 5% | 5% | 6% | 7% | 8% |
| QualiMed Exklusiv 1200 U | 4% | 4% | 4% | 4% | 4% | 5% | 5% |
| QualiMed Exklusiv 300 U | 7% | 7% | 3% | 4% | 4% | 5% | 6% |
| QualiMed Exklusiv 600 U | 10% | 10% | 6% | 6% | 7% | 7% | 8% |
| QualiMed Premium 1200 U | 10% | 10% | 7% | 7% | 8% | 8% | 9% |
| QualiMed Premium 300 U | 10% | 10% | 5% | 5% | 5% | 6% | 8% |
| QualiMed Premium 600 U | 19% | 19% | 6% | 6% | 7% | 7% | 8% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| JA S10 U | 8% | 8% | 2% | 4% | 6% | 6% | 6% |
| JA S20 U | 8% | 8% | 5% | 7% | 8% | 9% | 9% |
| JA U | 9% | 9% | 0% | 0% | 0% | 0% | 0% |
| JABest | 9% | 9% | 0% | 0% | 0% | 0% | 0% |
| JABest 1 | 8% | 8% | 2% | 3% | 5% | 6% | 7% |
| JABest 2 | 8% | 8% | 2% | 6% | 8% | 10% | 10% |
| JAK U | 8% | 8% | 3% | 4% | 6% | 7% | 0% |
| JE U | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZABest | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZABest 1 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZABest 2 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZAK 1 U | 6% | 6% | 0% | 0% | 0% | 0% | 0% |
| ZAK 2 U | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZAK 3S U | 0% | 0% | 5% | 6% | 7% | 7% | 7% |
| ZAK V 1 U | 5% | 5% | 0% | 0% | 0% | 0% | 0% |
| ZAK V 2 U | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZAMLBest | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZAMLBest 1 | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| ZAMLBest 2 | 15% | 21% | 8% | 11% | 12% | 12% | 13% |
| ZAZ U | 22% | 31% | 9% | 10% | 11% | 11% | 12% |
Premium adjustments 2026
the following premium adjustments of INTER Krankenversicherung take effect on January 1, 2026.
Private plans for employees, self-employed, freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| QualiMED Basis 1200 U | 10% | 10% | 14% | 13% | 13% | 12% | 12% |
| QualiMed Basis 300 U | 19% | 19% | 16% | 15% | 15% | 14% | 14% |
| QualiMed Basis 600 U | 11% | 11% | 17% | 15% | 15% | 14% | 13% |
| QualiMed Exklusiv 1200 U | 22% | 22% | 12% | 11% | 11% | 10% | 10% |
| QualiMed Exklusiv 300 U | 28% | 28% | 13% | 12% | 11% | 11% | 11% |
| QualiMed Exklusiv 600 U | 21% | 21% | 17% | 17% | 16% | 16% | 15% |
| QualiMed Premium 1200 U | 28% | 28% | 20% | 19% | 19% | 19% | 18% |
| QualiMed Premium 300 U | 28% | 28% | 15% | 14% | 13% | 13% | 12% |
| QualiMed Premium 600 U | 27% | 27% | 17% | 16% | 15% | 14% | 14% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| JA S10 U | 15% | 15% | 10% | 9% | 8% | 7% | 7% |
| JA S20 U | 37% | 37% | 17% | 17% | 16% | 16% | 16% |
| JA U | Guarantee | Guarantee | 19% | 18% | 16% | 16% | 16% |
| JABest | Guarantee | Guarantee | 18% | 17% | 16% | 15% | 15% |
| JABest 1 | 15% | 15% | 11% | 10% | 8% | 8% | 7% |
| JABest 2 | 31% | 31% | 17% | 16% | 16% | 16% | 15% |
| JAK U | 15% | 15% | 11% | 10% | 8% | 8% | 0% |
| JE U | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| ZABest | 13% | 20% | 9% | 11% | 11% | 12% | 12% |
| ZABest 1 | 13% | 14% | 8% | 10% | 11% | 12% | 12% |
| ZABest 2 | 13% | 28% | 9% | 10% | 11% | 11% | 12% |
| ZAK 1 U | 21% | 20% | 13% | 13% | 14% | 14% | 13% |
| ZAK 2 U | 20% | 27% | 13% | 13% | 14% | 14% | 13% |
| ZAK 3S U | 31% | 31% | 28% | 28% | 28% | 27% | 27% |
| ZAK V 1 U | 21% | 20% | 14% | 14% | 14% | 14% | 13% |
| ZAK V 2 U | 18% | 25% | 13% | 14% | 14% | 14% | 14% |
| ZAMLBest | 15% | 28% | 10% | 11% | 12% | 12% | 13% |
| ZAMLBest 1 | 15% | 21% | 8% | 11% | 12% | 12% | 13% |
| ZAMLBest 2 | 15% | 21% | 8% | 11% | 12% | 12% | 13% |
| ZAZ U | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Premium adjustments 2025
The table shows the detailed adjustments for various age groups and plans of INTER Versicherung from January 1, 2025.
Private plans for employees, self-employed, freelancers
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| QualiMED Basis 1200 U | 14% | 14% | 7% | 5% | 5% | 6% | 8% |
| QualiMed Basis 600 U | 17% | 17% | 8% | 6% | 6% | 7% | 8% |
| QualiMed Basis 600 U | 17% | 17% | 9% | 8% | 7% | 8% | 10% |
| QualiMed Exklusiv 1200 U | 10% | 10% | 5% | 4% | 4% | 4% | 4% |
| QualiMed Exklusiv 300 U | 17% | 17% | 4% | 3% | 3% | 3% | 3% |
| QualiMed Exklusiv 600 U | 16% | 16% | 6% | 5% | 5% | 5% | 6% |
| QualiMed Premium 1200 U | 17% | 17% | 7% | 5% | 5% | 5% | 6% |
| QualiMed Premium 300 U | 17% | 17% | 2% | 1% | 1% | 2% | 2% |
| QualiMed Premium 600 U | 15% | 15% | 6% | 6% | 5% | 6% | 6% |
Doctors' plans
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| JA S10 U | 13% | 13% | 3% | 3% | 4% | 5% | 6% |
| JA S20 U | Guarantee | Guarantee | 19% | 18% | 17% | 16% | 12% |
| JA U | 11% | 10% | 9% | 9% | 9% | 10% | 10% |
| JABest | 6% | 6% | 4% | 4% | 4% | 5% | 5% |
| JABest 1 | 8% | 8% | -2% | -2% | -1% | 0% | 1% |
| JABest 2 | Guarantee | Guarantee | 13% | 12% | 11% | 10% | 7% |
| JAK U | 13% | 13% | 3% | 3% | 4% | 5% | 0% |
| JE U | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| ZABest | 0% | 0% | 0% | -1% | -1% | -1% | -2% |
| ZABest 1 | 0% | 0% | -1% | -1% | -1% | -1% | -1% |
| ZABest 2 | 0% | 0% | -2% | -2% | -2% | -2% | -3% |
| ZAK 1 U | 20% | 24% | 1% | 1% | 2% | 2% | 1% |
| ZAK 2 U | 0% | 0% | 2% | 2% | 3% | 3% | 2% |
| ZAK 3S U | 0% | 0% | 17% | 18% | 19% | 19% | 19% |
| ZAK V 1 U | 21% | 25% | 3% | 3% | 3% | 3% | 1% |
| ZAK V 2 U | 0% | 0% | 1% | 1% | 2% | 2% | 2% |
| ZAMLBest | 0% | 0% | 0% | -1% | -2% | -2% | -2% |
| ZAMLBest 1 | 0% | 0% | -2% | -2% | -2% | -1% | -2% |
| ZAMLBest 2 | 0% | 0% | -3% | -3% | -3% | -3% | -4% |
| ZAZ U | Guarantee | Guarantee | ? | ? | ? | ? | ? |
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 Inter compared
Inter specializes in the healthcare professions and the self-employed. Its focus is on full cover for the healthcare professions and the self-employed. 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).
14.6
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
34.3%
Equity ratio
Above the industry average of 20.9 percent: a solid safety cushion.
3.9%
Net interest yield
Above the industry average of 2.8 percent: solid investment income supports stable premiums.
| Indicator | Inter 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 34.7% | 38.9% | 37.4% |
| RfB allocation ratio | 7.6% | 12.5% | 10.5% |
| Equity ratio | 34.3% | 36.4% | 20.9% |
| Net interest yield | 3.9% | 4.0% | 2.8% |
| Administrative cost ratio | 2.7% | 2.8% | 2.9% |
| Claims ratio | 86.7% | 77.8% | 75.1% |
| Acquisition cost ratio | 7.6% | 8.3% | 8.0% |
| Complaints ratio (per 100,000) | 14.6 | 6.5 | 2.8 |
How to read the financial position
Inter 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. Points to note are a provision for premium refunds below the industry average and an increased complaints ratio. Inter belongs to the Inter insurance group, which gives it a clear place in the market.
Frequently asked questions
Do I keep my ageing reserves if I change plan within Inter?
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 Inter 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.
