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Keep calm
Stay calm after the notice. An increase does not mean that your plan is bad. Take your time to look at what amount you will pay and what cover you get for it.
R+V premium increase 2027: options & alternatives
R+V is adjusting premiums in the AGIL plans of full cover as of January 1, 2027. For adults, premiums stay unchanged in most plans, and for children the adjustment goes up to 18 percent. Here you can see the figures and your options.
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Premium increase at R+V: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at R+V
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, R+V is adjusting premiums in the AGIL plans of full cover. Children are affected most. For adults, premiums only rise in AGIL comfort 0 and AGIL premium 480. The figure for children and young people in AGIL premium 0 is still pending.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AGIL classic pro 0 (CP0U) | 15% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL classic pro 480 (CP1U) | 15% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL classic pro 960 (CP2U) | 16% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL classic pro 1920 (CP3U) | 15% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL comfort 0 (MP0U) | 11% | 3% | 3% | 3% | 3% | 3% | 3% |
| AGIL comfort 480 (MP1U) | 9% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL comfort 960 (MP2U) | 13% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL comfort 1920 (MP3U) | 12% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL premium 0 (TN0U) | pending | pending | 0% | 0% | 0% | 0% | 0% |
| AGIL premium 480 (TN1U) | 7% | 8% | 7% | 6% | 7% | 7% | 7% |
| AGIL premium 960 (TN2U) | 18% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL premium 1920 (TN3U) | 16% | 0% | 0% | 0% | 0% | 0% | 0% |
Premium adjustments 2026
As of January 1, 2026, R+V Krankenversicherung is increasing premiums in numerous plans. The following overview shows how much premiums rise in the individual full cover plans of employees, self-employed and freelancers.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AGIL classic pro 0 (CP0U) | 16% | 17% | 16% | 16% | 16% | 16% | 16% |
| AGIL classic pro 960 (CP2U) | 8% | 23% | 23% | 23% | 24% | 24% | 26% |
| AGIL comfort 0 (MP0U) | 22% | 16% | 11% | 15% | 15% | 15% | 15% |
| AGIL comfort 960 (MP2U) | 23% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIl comfort 480 (MP1U) | 17% | 16% | 16% | 16% | 17% | 17% | 18% |
| AGIl comfort 1.920 (MP3U) | 18% | 19% | 19% | 19% | 19% | 19% | 19% |
| AGIL premium 0 (TN0U) | 0% | 15% | 15% | 15% | 15% | 15% | 15% |
| AGIL premium 480 (TN1U) | 11% | 31% | 30% | 30% | 30% | 31% | 21% |
| AGIL premium 960 (TN2U) | 19% | 17% | 18% | 18% | 18% | 19% | 20% |
| AGIl premium 1.920 (TN3U) | 25% | 23% | 24% | 24% | 24% | 25% | 26% |
| AGIL classic pro 1920 (CP3U) | 15% | 20% | 20% | 21% | 21% | 22% | 22% |
| AGIl classic pro 480 (CP1U) | 23% | 30% | 26% | 26% | 27% | 27% | 26% |
Premium adjustments 2025
The following table gives an overview of the plans affected by the R+V premium adjustment 2025, which will be adjusted as of January 1, 2025.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AGIL classic pro 0 (CP0U) | 0% | 7% | 6% | 6% | 6% | 6% | 7% |
| AGIL classic pro 960 (CP2U) | 9% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL comfort 0 (MP0U) | 0% | 12% | 11% | 11% | 11% | 11% | 11% |
| AGIL comfort 960 (MP2U) | 17% | 12% | 12% | 13% | 13% | 13% | 13% |
| AGIl comfort 480 (MP1U) | 17% | 16% | 14% | 14% | 14% | 14% | 13% |
| AGIl comfort 1.920 (MP3U) | 0% | 22% | 14% | 14% | 14% | 14% | 14% |
| AGIL premium 0 (TN0U) | 0% | 6% | 6% | 5% | 6% | 6% | 6% |
| AGIL premium 480 (TN1U) | 16% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL premium 960 (TN2U) | 10% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIl premium 1.920 (TN3U) | 0% | 8% | 8% | 8% | 8% | 9% | 8% |
Premium adjustments 2024
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AGIL classic pro 1920 (CP3U) | 11% | 7% | 7% | 7% | 7% | 7% | 6% |
| AGIL classic pro 960 (CP2U) | 6% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL comfort 0 (MP0U) | 5% | 3% | 3% | 3% | 3% | 3% | 3% |
| AGIL comfort 960 (MP2U) | 0% | 3% | 2% | 2% | 2% | 2% | 2% |
| AGIL premium 0 (TN0U) | 13% | 0% | 0% | 0% | 0% | 0% | 0% |
| AGIL premium 480 (TN1U) | 0% | 6% | 5% | 5% | 5% | 5% | 5% |
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 R+V compared
R+V is an insurer with cooperative roots. Its focus is on full cover and supplementary insurance through cooperative sales channels. 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).
0.4
Complaints ratio
Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.
51.1%
RfB ratio
Above the industry average of 37.4 percent: an above-average buffer for future adjustments.
2.1%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
| Indicator | R+V 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 51.1% | 54.0% | 37.4% |
| RfB allocation ratio | 8.8% | 14.9% | 10.5% |
| Equity ratio | 16.2% | 16.3% | 20.9% |
| Net interest yield | 2.4% | 2.8% | 2.8% |
| Administrative cost ratio | 2.1% | 1.8% | 2.9% |
| Claims ratio | 79.1% | 72.9% | 75.1% |
| Acquisition cost ratio | 7.9% | 8.1% | 8.0% |
| Complaints ratio (per 100,000) | 0.4 | 0.6 | 2.8 |
How to read the financial position
R+V is financially sound. An above-average provision for premium refunds, low administrative costs and a low complaints ratio speak for stable premiums. A point to note is a net interest yield below market level. R+V has cooperative roots and is represented through the Volksbanken network, 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 R+V under § 204 VVG, the reserves are kept. You only lose them if you change company.
Is the premium increase at R+V 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.
