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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.
LKH premium increase 2027: options & alternatives
LKH 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 36 percent. Here you can see the figures and your options.
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Premium increase at LKH: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at LKH
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, LKH is adjusting premiums in full cover. For adults, the plans A100, A120, GUK and GUP1.8 stay unchanged, and the others rise by 7 to 13 percent. Children and young people are affected in all plans, most strongly in A105.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| A100 | 5% | 4% | 0% | 0% | 0% | 0% | 0% |
| A103 | 15% | 13% | 13% | 13% | 13% | 13% | 13% |
| A105 | 36% | 36% | 13% | 13% | 12% | 12% | 12% |
| A120 | 9% | 12% | 0% | 0% | 0% | 0% | 0% |
| GUK0 | 10% | 13% | 0% | 0% | 0% | 0% | 0% |
| GUK500 | 11% | 14% | 0% | 0% | 0% | 0% | 0% |
| GUK900 | 12% | 14% | 0% | 0% | 0% | 0% | 0% |
| GUP0 | 12% | 20% | 8% | 8% | 9% | 9% | 10% |
| GUP1.8 | 15% | 21% | 0% | 0% | 0% | 0% | 0% |
| GUP500 | 10% | 22% | 8% | 9% | 9% | 10% | 11% |
| GUP900 | 12% | 17% | 7% | 8% | 9% | 9% | 10% |
Premium adjustments 2026
The following premium increases apply from January 1, 2026 for the corresponding LKH plans.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| A100 | 13% | 12% | 6% | 7% | 8% | 9% | 12% |
| A103 | 17% | 14% | 4% | 6% | 6% | 8% | 11% |
| A105 | 0% | 0% | 5% | 6% | 7% | 9% | 12% |
| A120 | 14% | 12% | 8% | 9% | 10% | 11% | 14% |
| S200 | 15% | 18% | 0% | 0% | 0% | 0% | 0% |
| GUK500 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GUK900 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GUP0 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GUP1.8 | 0% | 0% | 1% | 3% | 4% | 5% | 8% |
| GUP500 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GUP900 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Premium adjustments 2024
The following table gives an overview of the plans affected by the LKH premium adjustment 2024:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| A100 | 14% | 11% | 22% | 21% | 20% | 20% | 18% |
| A103 | 20% | 22% | 14% | 14% | 14% | 14% | 14% |
| A105 | 17% | 21% | 20% | 19% | 19% | 19% | 19% |
| A120 | 19% | 13% | 28% | 27% | 26% | 25% | 24% |
| S200 | 15% | 18% | 0% | 0% | 0% | 0% | 0% |
| S220 | 15% | 18% | 0% | 0% | 0% | 0% | 0% |
| S300 | 13% | 14% | 1% | 0% | 0% | 0% | -1% |
| Z60 | 24% | 21% | 0% | 0% | 0% | 0% | 0% |
| Z61 | 24% | 21% | 0% | 0% | 0% | 0% | 0% |
| Z80 | 16% | 14% | 0% | 0% | 0% | 0% | 0% |
| Z81 | 16% | 14% | 0% | 0% | 0% | 0% | 0% |
| Z90 | 16% | 14% | 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 LKH compared
LKH is a private health insurer with strong regional roots. 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).
7.9
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
41.9%
Equity ratio
Above the industry average of 20.9 percent: a solid safety cushion.
58.9%
RfB ratio
Above the industry average of 37.4 percent: an above-average buffer for future adjustments.
| Indicator | LKH 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 58.9% | 72.7% | 37.4% |
| RfB allocation ratio | 16.9% | 15.8% | 10.5% |
| Equity ratio | 41.9% | 49.9% | 20.9% |
| Net interest yield | 2.3% | 1.8% | 2.8% |
| Administrative cost ratio | 2.3% | 1.8% | 2.9% |
| Claims ratio | 81.5% | 77.7% | 75.1% |
| Acquisition cost ratio | 1.6% | 1.2% | 8.0% |
| Complaints ratio (per 100,000) | 7.9 | 7.6 | 2.8 |
How to read the financial position
LKH shows a mixed but fundamentally sound picture compared with the industry. An above-average provision for premium refunds and low administrative costs speak for stable premiums. Points to note are a net interest yield below market level and an increased complaints ratio. LKH is rooted as a regional insurer in northern Germany, 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 LKH under § 204 VVG, the reserves are kept. You only lose them if you change company.
Is the premium increase at LKH 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.
