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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.
Signal Iduna premium increase 2027: options & alternatives
Signal Iduna has announced premium adjustments in almost all full cover plans as of January 1, 2027. How much it affects you depends on your plan and your entry age. Here you can see the figures and your options.
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Premium increase at Signal Iduna: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Signal Iduna
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, Signal Iduna has announced premium adjustments in almost all full cover plans for employees, self-employed and freelancers. How high the adjustment is depends on the plan and the entry age. Some plans remain unchanged thanks to a premium guarantee.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| comfort+ | 3% | 5% | 8% | 7% | 6% | 6% | 6% |
| Exklusiv 0 | Guarantee | Guarantee | 10% | 10% | 10% | 9% | 9% |
| Exklusiv 1 | 2% | 3% | 10% | 10% | 9% | 9% | 9% |
| Exklusiv 2 | 1% | 4% | 7% | 7% | 6% | 6% | 6% |
| Exklusiv-Plus 0 | 1% | 4% | 9% | 9% | 9% | 9% | 9% |
| Exklusiv-Plus 1 | -1% | 0% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| Exklusiv-Plus 2 | 1% | 3% | 10% | 10% | 10% | 10% | 10% |
| Esprit | 13% | 12% | 12% | 12% | 12% | 12% | 11% |
| Esprit M | 7% | 6% | 10% | 10% | 10% | 10% | 9% |
| Esprit MX | 7% | 6% | 11% | 11% | 10% | 10% | 10% |
| Esprit X | 7% | 6% | 9% | 9% | 8% | 8% | 8% |
| Komfort 1 | 8% | 9% | 11% | 9% | 9% | 9% | 9% |
| Komfort 2 | 7% | 7% | 10% | 9% | 8% | 8% | 8% |
| Komfort 3 | 7% | 7% | 11% | 10% | 10% | 9% | 9% |
| Komfort-Plus 1 | 4% | 4% | 5% | 5% | 5% | 5% | 4% |
| Komfort-Plus 2 | 3% | 2% | 5% | 5% | 5% | 5% | 4% |
| Komfort-Plus 3 | 11% | 11% | 14% | 14% | 14% | 14% | 14% |
| Prime | 2% | 2% | 7% | 7% | 7% | 7% | 6% |
| Start | 4% | 6% | 16% | 15% | 15% | 15% | 15% |
| Start-Plus | 10% | 8% | 11% | 11% | 11% | 11% | 11% |
| Exklusiv-SI 0 | 2% | 3% | 9% | 9% | 9% | 9% | 8% |
| Exklusiv-SI 1 | -2% | -3% | 2% | 2% | 2% | 2% | 2% |
| Exklusiv-SI 2 | 4% | 4% | 10% | 10% | 10% | 10% | 10% |
| Komfort-SI 0 | 1% | 3% | 11% | 11% | 10% | 10% | 10% |
| Komfort-SI 1 | 4% | 4% | 9% | 9% | 9% | 9% | 8% |
| Komfort-SI 2 | 3% | 2% | 5% | 5% | 5% | 5% | 4% |
| Start-SI | 2% | 2% | 12% | 12% | 12% | 12% | 11% |
Premium adjustments 2026
The following table shows the premium adjustments as of January 1, 2026 for the full cover of employees, self-employed and freelancers at Signal Iduna:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| comfort+ | 5% | 6% | 16% | 16% | 16% | 16% | 16% |
| Exklusiv 0 | 10% | 16% | 19% | 19% | 19% | 20% | 20% |
| Exklusiv 1 | 26% | 27% | 18% | 18% | 19% | 19% | 19% |
| Exklusiv 2 | 25% | 44% | 21% | 21% | 21% | 22% | 21% |
| Exklusiv-Plus 0 | 7% | 11% | 14% | 14% | 15% | 15% | 15% |
| Exklusiv-Plus 1 | 13% | 16% | 18% | 18% | 18% | 19% | 19% |
| Exklusiv-Plus 2 | 15% | 28% | 15% | 15% | 16% | 16% | 17% |
| Esprit | 10% | 11% | 24% | 23% | 23% | 23% | 22% |
| Esprit M | 8% | 9% | 19% | 18% | 18% | 18% | 17% |
| Esprit MX | 8% | 9% | 19% | 19% | 18% | 18% | 18% |
| Esprit X | 9% | 10% | 20% | 19% | 19% | 18% | 18% |
| Komfort 1 | 22% | 14% | 11% | 11% | 11% | 11% | 11% |
| Komfort 2 | 12% | 4% | 6% | 6% | 6% | 6% | 6% |
| Komfort 3 | 20% | 11% | 15% | 14% | 14% | 15% | 15% |
| Komfort-Plus 1 | 21% | 29% | 11% | 11% | 11% | 12% | 12% |
| Komfort-Plus 2 | 23% | 24% | 9% | 9% | 10% | 10% | 10% |
| Komfort-Plus 3 | 21% | 21% | 13% | 13% | 14% | 14% | 14% |
| Prime | 3% | 3% | 11% | 12% | 12% | 12% | 13% |
| Start | 16% | 23% | 25% | 26% | 27% | 28% | 30% |
| Start-Plus | 14% | 13% | 11% | 11% | 11% | 12% | 12% |
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 Signal Iduna compared
Signal Iduna is a large insurer with a focus on skilled trades and business. Its focus is on full cover and supplementary insurance for skilled trades and small and medium-sized businesses. 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).
5.0
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
29.4%
Equity ratio
Above the industry average of 20.9 percent: a solid safety cushion.
2.4%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
| Indicator | Signal Iduna 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 36.1% | 44.5% | 37.4% |
| RfB allocation ratio | 5.5% | 12.1% | 10.5% |
| Equity ratio | 29.4% | 28.9% | 20.9% |
| Net interest yield | 3.1% | 3.6% | 2.8% |
| Administrative cost ratio | 2.4% | 2.5% | 2.9% |
| Claims ratio | 86.2% | 77.9% | 75.1% |
| Acquisition cost ratio | 6.3% | 7.0% | 8.0% |
| Complaints ratio (per 100,000) | 5.0 | 2.2 | 2.8 |
How to read the financial position
Signal Iduna 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. Signal Iduna belongs to the Signal Iduna Group, which gives it a clear place in the market.
Frequently asked questions
Do I keep my ageing reserves if I change plan within Signal Iduna?
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 Signal Iduna 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.
