Beitragsanpassung 2027
Private health insurance premium changes for 2027
It's premium adjustment season. Insurers are announcing their 2027 changes one by one, and we show every change that is already public.
Insurers
Announced so far
ARAG
Six of 18 tariffs unchanged, the others up 3% to 11%.
Allianz
Three of five tariffs unchanged, the others up 4% to 6%.
AXA
Seven of nine tariffs up 7% to 20%, one lower, one unchanged.
Barmenia
Six of 15 tariffs unchanged, the others up to 13% higher.
Gothaer
15 of 16 tariffs up 2% to 17%, one unchanged.
INTER
Three of 12 tariffs unchanged, the others up 3% to 9%.
LKH
Eleven of 17 tariffs unchanged, the others up 7% to 13%.
R+V

Nine of 12 tariffs unchanged, the others up 3% to 10%.
uniVersa

13 of 26 tariffs unchanged, one lower, the others up 3% to 15%.
Figures for adults. More insurers follow once they publish.
2027 so far
Which private health insurers raise premiums for 2027?
Nine insurers have announced their premiums for 2027 so far, and for adults the increases range from 1% to 20%. Many tariffs stay the same: 53 of the 130 tariffs for employees and the self-employed are unchanged for adults.
The reason
Why do private health insurance premiums go up?
Private premiums go up when healthcare costs rise faster than the insurer calculated, for example through new treatments and higher prices. The law only allows an adjustment once that gap passes a set threshold, so premiums rise in steps, not every year. Getting older never raises a lifelong premium by itself, because every lifelong premium includes savings for old age.
Your options
What can I do if my premium goes up?
You have three options. You can stay in your tariff and pay the new premium. You can switch to another tariff with the same insurer at any time, and your savings for old age stay in full. Or you can change insurer; the new insurer assesses your health again, and only part of your savings moves with you. We check all three options with you for free, also when the answer is a tariff switch.
FAQ
Short answers
Can I cancel because of the increase?
Does my employer pay half of the increase?
Talk it through with us

Jonas MarxFounder, licensed insurance broker
A free 30-minute call on Zoom, in English. We go through your options, and you decide.
Sources and status ·
- [1]The insurers' announcements for 1 January 2027
- [2]§ 203 VVG
- [3]§ 204 VVG
- [4]§ 205 VVG
- [5]§ 257 SGB V
Your Beitragsanpassung letter
Your premium went up.Checking alternatives is free.
In a call we go through your options, and you decide.
Also on this topic
- Tarifwechsel: switching tariffs inside your insurer
- Sonderkündigungsrecht: your two-month window
- Your premium went up: what you can actually do
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