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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.
Württembergische premium increase 2026: options & alternatives
The Württembergische premium increase 2026 varies by plan and entry age, on average up to around 16 percent. Here you can find out about your rights and options.
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Premium increase at Württembergische: what now?
Exclusive tips from our experts on how to handle your premium adjustment.
Premium adjustments at Württembergische
The specific adjustments by plan and entry age. Open a year to see the details.
Premium adjustments 2026
Below you can find an overview of the premium adjustments as of January 1, 2026.
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| A1H_0 | 15% | 15% | 10% | 10% | 10% | 10% | 10% |
| A1H_1440 | 10% | 11% | 4% | 4% | 4% | 5% | 5% |
| A1H_480 | 14% | 14% | 8% | 8% | 8% | 8% | 9% |
| A1H_960 | 12% | 12% | 6% | 6% | 6% | 6% | 7% |
| A1_0 | 15% | 15% | 11% | 11% | 11% | 11% | 11% |
| A1_1440 | 10% | 10% | 6% | 6% | 6% | 6% | 7% |
| A1_480 | 14% | 14% | 9% | 9% | 9% | 9% | 10% |
| A1_960 | 12% | 12% | 8% | 7% | 8% | 8% | 8% |
| A2H_0 | 15% | 15% | 12% | 13% | 13% | 14% | 15% |
| A2H_1440 | 5% | 5% | -2% | -2% | -1% | 0% | 2% |
| A2H_480 | 11% | 11% | 7% | 7% | 8% | 9% | 10% |
| A2H_960 | 8% | 8% | 2% | 2% | 3% | 4% | 5% |
| A2_0 | 15% | 15% | 13% | 13% | 13% | 14% | 16% |
| A2_1440 | 5% | 5% | -1% | -1% | 0% | 1% | 2% |
| A2_480 | 12% | 12% | 8% | 8% | 9% | 9% | 11% |
| A2_960 | 8% | 8% | 2% | 3% | 3% | 5% | 6% |
| GU 1200 | 0% | 0% | 13% | 13% | 13% | 14% | 16% |
| GU 600 | 0% | 0% | 11% | 12% | 12% | 13% | 14% |
Premium adjustments 2024
The following table gives an overview of the plans affected by the Württembergische premium adjustment 2024:
Full cover
| Age (entry age in years) | |||||||
|---|---|---|---|---|---|---|---|
| Plan | 7 | 17 | 26 | 32 | 38 | 44 | 55 |
| A1H_0 | 6% | 6% | 0% | 0% | 0% | 0% | 0% |
| A1H_1440 | 18% | 18% | 0% | 0% | 0% | 0% | 0% |
| A1H_480 | 10% | 10% | 0% | 0% | 0% | 0% | 0% |
| A1H_960 | 14% | 14% | 0% | 0% | 0% | 0% | 0% |
| A1_0 | 6% | 6% | 0% | 0% | 0% | 0% | 0% |
| A1_1440 | 18% | 18% | 0% | 0% | 0% | 0% | 0% |
| A1_480 | 10% | 10% | 0% | 0% | 0% | 0% | 0% |
| A1_960 | 14% | 14% | 0% | 0% | 0% | 0% | 0% |
| A2H_0 | 0% | 0% | 14% | 13% | 12% | 12% | 11% |
| A2H_1440 | 0% | 0% | 18% | 17% | 17% | 16% | 16% |
| A2H_480 | 0% | 0% | 15% | 14% | 14% | 13% | 13% |
| A2H_960 | 0% | 0% | 17% | 16% | 15% | 15% | 14% |
| A2_0 | 0% | 0% | 14% | 13% | 12% | 12% | 11% |
| A2_1440 | 0% | 0% | 18% | 17% | 16% | 16% | 15% |
| A2_480 | 0% | 0% | 15% | 14% | 14% | 13% | 13% |
| A2_960 | 0% | 0% | 17% | 16% | 15% | 14% | 14% |
| Z1 | 6% | 6% | 0% | 0% | 0% | 0% | 0% |
| Z2 | 5% | 5% | 0% | 0% | 0% | 0% | 0% |
| Z3 | 14% | 14% | 8% | 7% | 6% | 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.
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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 Württembergische compared
Württembergische is part of a large financial services group. Its focus is on health and supplementary insurance combined with pension products. 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.
18.0%
Equity ratio
Below the industry average of 20.9 percent: a smaller safety cushion, to be considered in the overall picture.
2.5%
Net interest yield
Below the industry average of 2.8 percent: lower investment income, to be considered in the overall picture.
| Indicator | Württembergische 2024 | 10-year average | Industry average |
|---|---|---|---|
| RfB ratio | 40.4% | 40.1% | 37.4% |
| RfB allocation ratio | 8.0% | 10.8% | 10.5% |
| Equity ratio | 18.0% | 18.0% | 20.9% |
| Net interest yield | 2.5% | 2.6% | 2.8% |
| Administrative cost ratio | 3.2% | 3.2% | 2.9% |
| Claims ratio | 76.1% | 72.2% | 75.1% |
| Acquisition cost ratio | 9.1% | 9.6% | 8.0% |
| Complaints ratio (per 100,000) | 0.4 | 0.4 | 2.8 |
How to read the financial position
Württembergische shows a mixed but fundamentally sound picture compared with the industry. An above-average provision for premium refunds and a low complaints ratio speak for stable premiums. Points to note are comparatively high administrative costs and a net interest yield below market level. Württembergische belongs to the Wüstenrot & Württembergische group, which gives it a clear place in the market.
Frequently asked questions
Do I keep my ageing reserves if I change plan within Württembergische?
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 Württembergische 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.
