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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.
SDK premium increase 2026: options & alternatives
The SDK premium increase 2026 varies by plan and entry age and reaches up to 24 percent. Here you can find out about your rights and options.
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Premium increase at SDK: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at SDK
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2026
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AM10 | 22% | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| AM11 | 24% | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| AM12 | 15% | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| AM13 | 16% | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| AM30 | Guarantee | 11% | 9% | 8% | 8% | 9% | 9% |
| AM31 | Guarantee | 11% | 9% | 8% | 9% | 9% | 10% |
| AM32 | Guarantee | 14% | 9% | 8% | 8% | 9% | 9% |
| AM33 | Guarantee | 15% | 10% | 9% | 10% | 10% | 11% |
Premium adjustments 2025
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AM10 | Guarantee | 15% | 15% | 13% | 12% | 11% | 11% |
| AM11 | Guarantee | 14% | 14% | 13% | 12% | 11% | 11% |
| AM12 | 14% | 16% | 16% | 15% | 15% | 15% | 14% |
| AM13 | 15% | 14% | 14% | 14% | 14% | 14% | 14% |
| AM30 | 31% | 10% | 10% | 9% | 9% | 9% | 9% |
| AM31 | 31% | 10% | 10% | 9% | 9% | 9% | 9% |
| AM32 | 34% | 11% | 11% | 10% | 10% | 10% | 10% |
| AM33 | 35% | 12% | 12% | 11% | 11% | 11% | 10% |
Premium adjustments 2024
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| AM10 | Guarantee | ? | ? | ? | ? | ? | ? |
| AM11 | Guarantee | ? | ? | ? | ? | ? | ? |
| AM12 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| AM13 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| AM30 | Guarantee | 13% | 13% | 13% | 13% | 13% | 13% |
| AM31 | Guarantee | 14% | 14% | 14% | 14% | 14% | 14% |
| AM32 | Guarantee | 16% | 16% | 16% | 16% | 16% | 15% |
| AM33 | Guarantee | 18% | 18% | 18% | 18% | 18% | 17% |
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 SDK compared
SDK is an insurer specializing in health. Its focus is on health and long-term care 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).
19.0%
RfB ratio
Below the industry average of 37.4 percent: a comparatively narrow buffer for future adjustments.
2.1
Complaints ratio
Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.
24.0%
Equity ratio
Above the industry average of 20.9 percent: a solid safety cushion.
| Indicator | SDK 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 19.0% | 26.5% | 37.4% |
| RfB allocation ratio | 6.9% | 10.2% | 10.5% |
| Equity ratio | 24.0% | 23.6% | 20.9% |
| Net interest yield | 2.4% | 3.0% | 2.8% |
| Administrative cost ratio | 2.7% | 2.2% | 2.9% |
| Claims ratio | 85.5% | 81.0% | 75.1% |
| Acquisition cost ratio | 6.0% | 5.5% | 8.0% |
| Complaints ratio (per 100,000) | 2.1 | 2.9 | 2.8 |
How to read the financial position
SDK 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. SDK is rooted in southern Germany as a mutual insurance association, which gives it a clear place in the market.
Frequently asked questions
Will I lose my ageing reserves if I change plan?
No. With an internal change under § 204 VVG, your ageing reserves are kept in full. Only when you switch to another insurer are the calculated reserves lost.
May SDK simply increase my premium?
The legal basis is § 203 VVG. An increase is only allowed if the calculated benefit expenditure or mortality rates have changed permanently, and it must be approved by an independent trustee.
Is there a deadline I need to keep?
You can start the plan change under § 204 VVG at any time. For the special right of termination under § 205 (4) VVG, however, you only have two months from receipt of the notice. If you check early, you keep all options open.
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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.
