PKV Premium Increase 2026
Up to 13% More - What To Do?
Private health insurers are raising premiums significantly. Learn how you can save despite increases.
Premium Increases by Insurer
Allianz
depending on tariff
Debeka
depending on tariff
DKV
depending on tariff
Signal Iduna
depending on tariff
Continentale
depending on tariff
Barmenia
depending on tariff
* Estimated values based on industry reports. Individual increases may vary.
Compare PKV Tariffs & Save
Find savings potential in your private health insurance
4 Ways to Save Despite Increases
1. Tariff Switch (Section 204 VVG)
Switch to a cheaper tariff with the same insurer. Your age reserves are preserved - often the best option.
2. Increase Deductible
A higher deductible significantly lowers the premium. With 1,200 EUR instead of 300 EUR, you often save 100-200 EUR monthly.
3. Adjust Benefits
Do you really need a single room? Reducing additional benefits can save significantly.
4. Use Premium Refund
No doctor visits? Many tariffs refund up to 6 monthly premiums. This can offset the increase.
Important Note on Insurer Changes
Switching to a different PKV insurer is usually not recommended. You lose your accumulated age reserves and must pass a new health check. A tariff switch within your current insurer according to Section 204 VVG is almost always the better option.
Frequently Asked Questions
Why are PKV premiums rising so sharply in 2026?
The reasons are diverse: rising treatment costs, medical advancements, low interest on age reserves, and demographic changes. Inflation also drives costs up.
Do all PKV insured have to pay more?
Not all tariffs are equally affected. Increases vary between 3% and 13% depending on insurer and tariff. Old closed tariffs are often more affected.
Can I cancel my insurance after a premium increase?
Yes, with a premium increase you have a special termination right. You can cancel within 2 months of receiving notice, effective at the time of increase.
What's the difference between tariff switch and insurer change?
With a tariff switch (Section 204 VVG), you stay with the same insurer and keep your age reserves. With an insurer change, you often lose these and must pass a new health check.
Is switching to public health insurance (GKV) worth it?
A switch is only possible under 55 and if income drops below the JAEG (2026: 73,800 EUR). For older insured, a tariff switch within PKV is usually the better option.