Beitragsanpassung 2027

LVM premium changes for 2027

LVM has announced its changes for 1 January 2027: four tariffs stay as they are for adults, and eleven rise by up to 11%.

Book a Zoom call in English

5.0 from every reviewon ProvenExpert and Trustpilot

The figures

How much do LVM premiums rise in 2027?

For adults, A 0, A 300, A 1350 and A 20/P stay the same. A 2500, AP 480 and AP 960 rise by up to 1%, and A 650 by 4%. Of the hospital tariffs, S1 rises by 10%, S2 by 2% to 4% and S3 by 1%; the dental tariffs rise by 2% to 11%. For children, A 650, A 1350 and A 2500 rise by 21% to 23%, while the hospital tariffs S1 to S3 become 1% to 2% cheaper.

Age group

Tariffs for employees and the self-employed, 15 tariffs

Premium changes from 1 January 2027 at LVM, tariffs for employees and the self-employed, by tariff and age group
TariffChildTeenAdult
A 0, outpatient only+2%minus 1%0%
A 1350, outpatient, €1,350 deductible+23%+11%0%
A 20/P, outpatient, 20% deductible+1%minus 5%0%
A 2500, outpatient, €2,500 deductible+21%+8%0% to plus 1%
A 300, outpatient, €300 deductible+6%+4%0%
A 650, outpatient, €650 deductible+23%+6%+4%
AP 480, outpatient, family doctor first, €480 deductibleminus 1%+2%0% to plus 1%
AP 960, outpatient, family doctor first, €960 deductibleminus 1%+2%+1%
S1, hospital, single or two-bed roomminus 1%+4%+10%
S2, hospital, two-bed roomminus 2%+4%plus 2 to 4%
S3, hospital, shared roomminus 2%+3%+1%
Z100/100, dentalminus 1%+1%plus 9 to 10%
Z100/50, dental+4%+10%+4%
Z100/80, dentalminus 1%+1%plus 10 to 11%
Z75/50, dental0%0%+2%

Source: LVM, 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 LVM 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 LVM.

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