Beitragsanpassung 2027

HanseMerkur premium changes for 2027

HanseMerkur has announced its changes for 1 January 2027: six tariffs stay as they are for adults, and four rise by 7% to 14%.

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The figures

How much do HanseMerkur premiums rise in 2027?

For adults, AZP, KVP, EGO2 and PS3 carry a guarantee, six of the ten tariffs. KVS rises by 12% to 14% and KVT by 7% to 12%. For children and teenagers, AZP, EGO2 and PS3 keep their guarantee; KVP and KVS rise by 9%, KVT by 14% to 18%.

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

Age group

Tariffs for employees and the self-employed, 10 tariffs

Premium changes from 1 January 2027 at HanseMerkur, tariffs for employees and the self-employed, by tariff and age group
TariffChildTeenAdult
AZP (BRE), outpatient and dental, premium refundguaranteeguaranteeguarantee
AZP (Beitragsstundung), outpatient and dental, premium deferralguaranteeguaranteeguarantee
EGO2, add-on for fees above the scaleguaranteeguaranteeguarantee
KVP (BRE), shared room, family doctor first, premium refund+9%+9%guarantee
KVP (Beitragsstundung), shared room, family doctor first, premium deferral+9%+9%guarantee
KVS1, shared room, family doctor first, €500 deductible+9%+9%+14%
KVS3, shared room, family doctor first, €1,000 deductible+9%+9%+12%
KVT1000, shared room, €1,000 deductible+14%+18%plus 11 to 12%
KVT500, shared room, €500 deductible+14%+18%plus 7 to 9%
PS3, hospital, shared roomguaranteeguaranteeguarantee

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

Your options

What can I do about my HanseMerkur increase?

You can switch to another HanseMerkur tariff at any time and keep your savings for old age in full. Changing insurer is the alternative; the new insurer assesses your health again, and only part of your savings moves with you. We compare both with you in a free call, also when the answer is a tariff switch within HanseMerkur.

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More about HanseMerkur as an insurer

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