Beitragsanpassung 2027

Münchener Verein premium changes for 2027

Münchener Verein has announced that from 1 January 2027, one tariff stays the same for adults, and seven rise by 3% to 13%.

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The figures

How much do Münchener Verein premiums rise in 2027?

For adults, seven of eight Münchener Verein tariffs rise by 3% to 13%. BC ALPHA 865 rises the most, by 12% to 13%. The ROYAL tariffs rise by 7% to 8%, EXCELLENT 728 by 6% to 7% and Master Care SB I 881 by 6%. BC CLASSIC SB 869 rises by 3% to 7% and Master Care SB II 882 by 3% to 4%. Premium SB 0 895 stays the same, and for children and teenagers no tariff rises.

Age group

Tariffs for employees and the self-employed, 8 tariffs

Premium changes from 1 January 2027 at Münchener Verein, tariffs for employees and the self-employed, by tariff and age group
TariffAdultTeenChild
BC ALPHA 865, shared room, family doctor first, €480 deductibleplus 12 to 13%0%0%
BC CLASSIC SB 869, shared room, family doctor first, €1,440 deductibleplus 3 to 7%0%0%
EXCELLENT 728, outpatient, 20% deductible up to €1,000plus 6 to 7%0%0%
Master Care SB I 881, two-bed room, deductible up to €960+6%0%0%
Master Care SB II 882, two-bed room, deductible up to €1,920plus 3 to 4%0%0%
Premium SB 0 895, single or two-bed room, guaranteed premium refund0%0%0%
ROYAL 891, single or two-bed room, 10% deductible up to €500plus 7 to 8%0%0%
ROYAL 892, single or two-bed room, 20% deductible up to €1,000plus 7 to 8%0%0%

Source: Münchener Verein, 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 Münchener Verein 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 Münchener Verein.

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