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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.
Universa premium increase 2027: options & alternatives
Universa is adjusting premiums in full cover 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 Universa: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Universa
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2027
As of January 1, 2027, Universa is adjusting premiums in full cover. How high the adjustment is depends on the plan and the entry age. Some plans remain unchanged thanks to a premium guarantee. One figure is still pending, and we will add it as soon as it is available.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| uni-intro/Privat 300 | Guarantee | Guarantee | 3% | 4% | 4% | 5% | 6% |
| uni-intro/Privat 600 | 43% | 11% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| uni-intro/Privat-Spezial | 27% | 10% | 10% | 10% | 11% | 11% | 12% |
| uni-Top/Privat 300 | 10% | 13% | 15% | 15% | 15% | 14% | 14% |
| uni-Top/Privat 1000 | 12% | Guarantee | 6% | 7% | 7% | 7% | 7% |
| uni-A 100 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| uni-A 1360 | Guarantee | 7% | 5% | 5% | 6% | 6% | 7% |
| uni-A 155 | 12% | 11% | 11% | 11% | 11% | 12% | 13% |
| uni-A 310 | Guarantee | 6% | 7% | 8% | 9% | 10% | 13% |
| uni-A 620 | Guarantee | 9% | 9% | 10% | 10% | 11% | 13% |
| uni-A 80 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| uni-VE 1300G | 8% | 6% | 6% | 6% | 7% | 7% | 9% |
| uni-VE 1300H | 12% | 6% | 6% | 6% | 7% | 7% | 9% |
| uni-VE 2000G | 9% | 6% | 6% | 6% | 7% | 8% | 9% |
| uni-VE 2000H | pending | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| uni-VE 900 K | 11% | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
Premium adjustments 2026
The following plans of Universa Krankenversicherung will be adjusted as of January 1, 2026:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| uni-intro/Privat 300 | 16% | 18% | 13% | 12% | 13% | 13% | 14% |
| uni-intro/Privat 600 | Guarantee | Guarantee | 3% | 4% | 6% | 7% | 8% |
| uni-intro/Privat-Spezial | 31% | 20% | 2% | 2% | 3% | 4% | 5% |
| uni-Top/Privat 300 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| uni-A 100 | 0% | 14% | 15% | 15% | 16% | 17% | 18% |
| uni-A 1360 | 11% | 10% | 10% | 9% | 10% | 11% | 11% |
| uni-A 155 | 13% | 16% | 14% | 12% | 12% | 12% | 13% |
| uni-A 310 | 14% | 13% | 11% | 10% | 10% | 10% | 11% |
| uni-A 620 | 23% | 11% | 10% | 9% | 9% | 10% | 10% |
| uni-A 80 | Guarantee | 11% | 11% | 11% | 12% | 12% | 13% |
| uni-VE 1300G | 13% | 14% | 13% | 12% | 13% | 13% | 12% |
| uni-VE 1300H | 17% | 13% | 12% | 12% | 12% | 12% | 12% |
| uni-VE 2000G | 17% | 21% | 16% | 16% | 16% | 16% | 16% |
| uni-VE 2000H | 13% | 20% | 16% | 16% | 16% | 16% | 16% |
| uni-VE 900 K | 15% | 10% | 10% | 10% | 11% | 11% | 12% |
Premium adjustments 2025
The following table shows the premium increases of Universa Krankenversicherung as of January 1, 2025.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| uni-intro/Privat 300 | Guarantee | 9% | 3% | 3% | 3% | 3% | 3% |
| uni-intro/Privat 600 | Guarantee | Guarantee | 9% | 10% | 11% | 13% | 14% |
| uni-intro/Privat-Spezial | 8% | 4% | 8% | 9% | 9% | 9% | 9% |
| uni-Top/Privat 300 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| uni-A 100 | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee | Guarantee |
| uni-A 1360 | -10% | 13% | 13% | 13% | 14% | 15% | 17% |
| uni-A 155 | 6% | 5% | 5% | 5% | 5% | 6% | 6% |
| uni-A 310 | 13% | 8% | 7% | 7% | 8% | 9% | 10% |
| uni-A 620 | 7% | 11% | 11% | 11% | 12% | 13% | 14% |
| uni-A 80 | Guarantee | 6% | 5% | 6% | 6% | 6% | 7% |
| uni-VE 1300G | 14% | 6% | 6% | 5% | 5% | 5% | 4% |
| uni-VE 1300H | 16% | 6% | 6% | 5% | 5% | 5% | 4% |
| uni-VE 2000G | 13% | 10% | 8% | 8% | 9% | 10% | 11% |
| uni-VE 2000H | 12% | 9% | 7% | 7% | 8% | 9% | 10% |
| uni-VE 900 K | 15% | 5% | 5% | 5% | 5% | 6% | 6% |
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.
Contact us
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 Universa compared
Universa is a mutual insurance association with a long tradition. 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).
33.8%
Equity ratio
Above the industry average of 20.9 percent: a solid safety cushion.
3.7
Complaints ratio
Above the industry average of 2.8 per 100,000: more complaints than the market average.
2.4%
Administrative cost ratio
Below the industry average of 2.9 percent: a lean, efficient cost structure.
| Indicator | Universa 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 42.2% | 44.0% | 37.4% |
| RfB allocation ratio | 8.6% | 13.8% | 10.5% |
| Equity ratio | 33.8% | 32.7% | 20.9% |
| Net interest yield | 2.7% | 3.1% | 2.8% |
| Administrative cost ratio | 2.4% | 2.6% | 2.9% |
| Claims ratio | 81.2% | 76.2% | 75.1% |
| Acquisition cost ratio | 7.0% | 6.3% | 8.0% |
| Complaints ratio (per 100,000) | 3.7 | 3.2 | 2.8 |
How to read the financial position
Universa shows a mixed but fundamentally sound picture compared with the industry. An above-average provision for premium refunds and low administrative costs speak for stable premiums. Points to note are a net interest yield below market level and an increased complaints ratio. Universa is one of the oldest private health insurers in Germany, 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 Universa 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.
