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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.
Nürnberger premium increase 2027: options & alternatives
Nürnberger is adjusting premiums in full cover as of January 1, 2027. In the plans HAT6, TOP3 and TOP3+, premiums for adults rise by 3 to 5 percent, and in the other plans a premium guarantee applies for adults. Here you can see the figures and your options.
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Premium increase at Nürnberger: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Nürnberger
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, Nürnberger is adjusting premiums in full cover. For children and young people, premiums rise by 11 to 13 percent. For adults, they rise by 3 to 5 percent in the plans HAT6, TOP3 and TOP3+, and in the other plans they stay unchanged thanks to a premium guarantee. In S1, S2 and SZU the guarantee applies to all age groups.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| HAT6 | 11% | 11% | 3% | 4% | 4% | 4% | 4% |
| MAX6+ | 12% | 12% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| S1 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| S2 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| SZU | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| TOP3 | 13% | 13% | 4% | 5% | 5% | 5% | 5% |
| TOP3+ | 13% | 13% | 4% | 5% | 5% | 5% | 5% |
| TOP6 | 13% | 13% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| TOP6+ | 13% | 13% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Premium adjustments 2024
The following table gives an overview of the plans affected by the Nürnberger premium adjustment 2024:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| HAT6 | Guarantee | Guarantee | 6% | 7% | 7% | 8% | 9% |
| MAX6+ | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| S1 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| S2 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| SZU | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| TOP3 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| TOP3+ | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| TOP6 | Guarantee | Guarantee | 15% | 15% | 15% | 14% | 13% |
| TOP6+ | Guarantee | Guarantee | 15% | 15% | 15% | 14% | 13% |
| TT20 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | 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 Nürnberger compared
Nürnberger is a medium-sized 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).
0.5
Complaints ratio
Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.
10.2%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
18.8%
RfB ratio
Below the industry average of 37.4 percent: a comparatively narrow buffer for future adjustments.
| Indicator | Nürnberger 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 18.8% | 31.3% | 37.4% |
| RfB allocation ratio | 5.2% | 8.4% | 10.5% |
| Equity ratio | 10.2% | 11.6% | 20.9% |
| Net interest yield | 2.5% | 2.7% | 2.8% |
| Administrative cost ratio | 4.2% | 3.9% | 2.9% |
| Claims ratio | 79.8% | 72.2% | 75.1% |
| Acquisition cost ratio | 9.4% | 7.6% | 8.0% |
| Complaints ratio (per 100,000) | 0.5 | 1.6 | 2.8 |
How to read the financial position
Nürnberger shows an uneven picture compared with the industry. A low complaints ratio speaks for stable premiums. Points to note are a provision for premium refunds below the industry average, comparatively high administrative costs and a net interest yield below market level. Nürnberger belongs to the Nürnberger 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 Nürnberger?
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 Nürnberger 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.
