Beitragsanpassung 2027

SDK premium changes for 2027

SDK has announced that from 1 January 2027, 13 of its 14 tariffs rise by 10% to 28% for adults, and the dental tariff Z9 stays the same.

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The figures

How much do SDK premiums rise in 2027?

For adults, the outpatient tariffs AM10 to AM13 rise by 21% to 28% and AM32 by 26% to 27%. AM30 and AM31 rise by 14% and AM33 by 11% to 16%. The hospital tariffs S1 and S1DD rise by 12% to 14%, and the dental tariffs Z6, Z6SB and Z8 by 10% to 17%. Z9 stays the same. For children, only AM10 to AM13, Z8 and Z9 rise, by 13% to 21%, and for teenagers every tariff except Z9 rises, by 12% to 30%.

Age group

Tariffs for employees and the self-employed, 14 tariffs

Premium changes from 1 January 2027 at SDK, tariffs for employees and the self-employed, by tariff and age group
TariffAdultTeenChild
AM10, outpatient onlyplus 22 to 23%+24%+21%
AM11, outpatient, 10% deductible up to €240plus 22 to 24%+25%+21%
AM12, outpatient, 20% deductible up to €480plus 21 to 28%+30%+21%
AM13, outpatient, 30% deductible up to €960plus 22 to 28%+30%+21%
AM30, outpatient, 30% deductible up to €480+14%+14%0%
AM31, outpatient, 30% deductible up to €960+14%+15%0%
AM32, outpatient, €1,440 deductibleplus 26 to 27%+26%0%
AM33, outpatient, €2,400 deductibleplus 11 to 16%+17%0%
S1, hospital, single roomplus 12 to 14%+12%0%
S1DD, hospital, single room, private doctor for very serious illnessplus 12 to 14%+12%0%
Z6, dentalplus 11 to 16%+19%0%
Z6SB, dental, €480 deductibleplus 10 to 17%+23%0%
Z8, dentalplus 11 to 17%+21%+13%
Z9, dental0%0%+13%

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

Special tariffs for doctors and dentists, 9 tariffs

Special tariffs for doctors and dentists, 9 tariffs
Premium changes from 1 January 2027 at SDK, special tariffs for doctors and dentists, by tariff and age group
TariffAdultTeenChild
AM10, outpatient onlyplus 29 to 31%+32%+21%
AM11, outpatient, 10% deductible up to €240plus 30 to 31%+32%+21%
AM12, outpatient, 20% deductible up to €480plus 29 to 36%+38%+21%
AM13, outpatient, 30% deductible up to €960plus 30 to 36%+39%+21%
AM30, outpatient, 30% deductible up to €480+14%+14%0%
AM31, outpatient, 30% deductible up to €960+14%+15%0%
AM32, outpatient, €1,440 deductibleplus 26 to 27%+26%0%
AM33, outpatient, €2,400 deductibleplus 11 to 16%+17%0%
S1, hospital, single roomplus 12 to 14%+12%0%

Source: SDK, 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 SDK 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 SDK.

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