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Stay calm
A premium increase often seems drastic at first. But it is not an automatic reason to cancel. First check how large the adjustment really is and which benefits you get for your premium.
UKV premium increase: options & alternatives
The UKV premium increase varies by plan and entry age. Here you can find out about your rights and options.
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Premium increase at UKV: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at UKV
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2025
UKV announces an upcoming adjustment of plans, some changes are still unclear, and for some there is even good news:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| CompactPRIVAT-Start 250 A | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | ||
| CompactPRIVAT-Start 250 B | ? | ? | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| CompactPRIVAT-Start 900 A | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | ||
| CompactPRIVAT-Start 900 B | ? | ? | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| CompactPRIVAT/S-PLUS | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundheitVario 1600 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundheitVARIO 400 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| GesundheitVARIO800 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| VARIO AmbulantPlus | -7% | -7% | 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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We review your premium increase free of charge and without obligation.
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 UKV compared
UKV is part of Versicherungskammer, one of the largest public insurance groups in Germany. Its focus is on full cover and supplementary insurance for employees, self-employed and freelancers. 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).
9.2%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
1.5
Complaints ratio
Below the industry average of 2.8 per 100,000: few complaints, high satisfaction.
1.7%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
| Indicator | UKV 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 37.3% | 33.4% | 37.4% |
| RfB allocation ratio | 6.4% | 8.9% | 10.5% |
| Equity ratio | 9.2% | 10.6% | 20.9% |
| Net interest yield | 1.9% | 2.4% | 2.8% |
| Administrative cost ratio | 1.7% | 1.9% | 2.9% |
| Claims ratio | 82.6% | 75.7% | 75.1% |
| Acquisition cost ratio | 9.2% | 9.3% | 8.0% |
| Complaints ratio (per 100,000) | 1.5 | 1.2 | 2.8 |
How to read the financial position
UKV 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. As part of Versicherungskammer, UKV has a clear place in the market.
Frequently asked questions
What happens to my ageing reserves if I change plan?
With a plan change within UKV under § 204 VVG, the reserves are kept. You only lose them if you change company.
Is the premium increase at UKV 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.
