Beitragsanpassung 2027

Generali premium changes for 2027

Generali has announced its changes for 1 January 2027: three tariffs rise by 2% to 14% for adults, and two become cheaper at some ages and more expensive at others.

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The figures

How much do Generali premiums rise in 2027?

For adults, GesundPro1 and GesundProP rise by 2% to 3%. GesundSmart rises by 10% to 14%. GesundPro2 and GesundPro3 become cheaper at some ages and more expensive at others. GesundPro2 rises by up to 3% for younger adults and falls by up to 2% for older ones. GesundPro3 does the reverse, falling by up to 2% for younger adults and rising by up to 4% for older ones. For children and teenagers, GesundPro3 and GesundSmart rise by 11% to 12%, while GesundPro1, GesundPro2 and GesundProP stay the same.

Age group

Tariffs for employees and the self-employed, 5 tariffs

Premium changes from 1 January 2027 at Generali, tariffs for employees and the self-employed, by tariff and age group
TariffChildTeenAdult
GesundPro1, two-bed room, €750 deductible0%0%plus 2 to 3%
GesundPro2, two-bed room, €1,500 deductible0%0%minus 2% to plus 3%
GesundPro3, two-bed room, €3,000 deductible+12%+12%minus 2% to plus 4%
GesundProP, two-bed room, €750 deductible, premium refund0%0%plus 2 to 3%
GesundSmart, shared room, €1,000 deductible+11%+11%plus 10 to 14%

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

Special tariffs for doctors and dentists, 4 tariffs

Special tariffs for doctors and dentists, 4 tariffs
Premium changes from 1 January 2027 at Generali, special tariffs for doctors and dentists, by tariff and age group
TariffChildTeenAdult
GesundProMed1, two-bed room, €750 deductible0%0%+4%
GesundProMed2, two-bed room, €1,500 deductible0%0%0% to plus 5%
GesundProMed3, two-bed room, €3,000 deductible+12%+12%plus 3 to 11%
GesundProMedP, two-bed room, €750 deductible, premium refund0%0%+4%

Source: Generali, 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 Generali 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 Generali.

  • 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]Generali, announcement of the premium adjustment for 1 January 2027
  2. [2]§ 203 VVG (premium adjustment)
  3. [3]§ 204 VVG (tariff switch)