Beitragsanpassung 2027

BBKK premium changes for 2027

BBKK has announced its changes for 1 January 2027: three tariffs stay as they are for adults, eight rise by 5% to 15%, and one is still open.

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The figures

How much do BBKK premiums rise in 2027?

For adults, the add-ons S 2, VARIO AmbulantPlus and VARIO ZahnPlus carry a guarantee. The CompactPRIVAT START tariffs rise by 5% to 11%, CompactPRIVAT/S by 14% to 15% and GesundheitVARIO by 9% to 11%. BBKK has not yet published the figure for VARIO KlinikPlus. For children and teenagers, all VARIO tariffs and S 2 carry a guarantee, while START B rises by 15% to 17% and CompactPRIVAT/S by 17% to 35%. The name stands for Bayerische Beamtenkrankenkasse (Beamte are civil servants), but the tariffs shown here are for employees and the self-employed.

Guarantee: BBKK has promised not to raise the premium for this tariff in this age group.

Age group

Tariffs for employees and the self-employed, 12 tariffs

Premium changes from 1 January 2027 at BBKK, tariffs for employees and the self-employed, by tariff and age group
TariffChildTeenAdult
CompactPRIVAT - START 250 A, shared roomnot offered in this age groupnot offered in this age groupplus 6 to 7%
CompactPRIVAT - START 250 B, shared room+15%+17%plus 5 to 6%
CompactPRIVAT - START 900 A, shared roomnot offered in this age groupnot offered in this age groupplus 10 to 11%
CompactPRIVAT - START 900 B, shared room+17%+17%plus 9 to 11%
CompactPRIVAT/S, shared room, eastern Germany+35%+17%plus 14 to 15%
GesundheitVARIO 1600, shared roomguaranteeguaranteeplus 10 to 11%
GesundheitVARIO 400, shared roomguaranteeguarantee+10%
GesundheitVARIO 800, shared roomguaranteeguarantee+9%
S 2, room upgrade add-onguaranteeguaranteeguarantee
VARIO AmbulantPlus, outpatient add-onguaranteeguaranteeguarantee
VARIO KlinikPlus, room upgrade add-onguaranteeguaranteenot yet known
VARIO ZahnPlus, dental add-onguaranteeguaranteeguarantee

Source: BBKK, announcement of the premium adjustment for 1 January 2027.

Your options

What are your options after a premium increase?

You can keep your tariff, switch to another BBKK tariff at any time, or move to another insurer, and none of them is right for everyone. Which option costs less over the years depends on your age, your health, when your contract started and your tariff. We work it out with you, free, also when the answer is a tariff switch within BBKK.

  • Keep your tariff

    You pay the new premium and keep your cover, your tariff and your savings for old age exactly as they are.

  • Switch tariff, same insurer

    A Tarifwechsel moves you to another tariff with your insurer, at any time. Your savings for old age (Altersrückstellungen) stay in full, and only benefits you add need health questions.

  • Change insurer

    You start a new contract after a new health assessment, which we check anonymously first. Only part of your savings for old age moves with you.

Get a free check

How a free premium check works

Sources and status ·
  1. [1]BBKK, announcement of the premium adjustment for 1 January 2027
  2. [2]§ 203 VVG (premium adjustment)
  3. [3]§ 204 VVG (tariff switch)