Beitragsanpassung 2027

Signal Iduna premium changes for 2027

Signal Iduna has announced its changes for 1 January 2027: 26 tariffs rise by 2% to 16% for adults, one stays the same and one becomes cheaper.

Book a Zoom call in English

5.0 from every reviewon ProvenExpert and Trustpilot

The figures

How much do Signal Iduna premiums rise in 2027?

For adults, EXKLUSIV-PLUS 1 carries a guarantee, and the hospital supplement KlinikUNFALLpur becomes 2% to 4% cheaper. The other 26 tariffs rise by 2% to 16%, the START tariffs the most at 11% to 16%. For children and teenagers most tariffs rise by 1% to 13%. EXKLUSIV 0 and KlinikUNFALLpur carry a guarantee, EXKLUSIV-SI 1 becomes cheaper, and so does EXKLUSIV-PLUS 1 for children.

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

Age group

Tariffs for employees and the self-employed, 28 tariffs

Premium changes from 1 January 2027 at Signal Iduna, tariffs for employees and the self-employed, by tariff and age group
TariffChildTeenAdult
Comfort +, single or two-bed room+3%+4%plus 6 to 8%
EXKLUSIV 0, single or two-bed roomguaranteeguaranteeplus 9 to 10%
EXKLUSIV 1, single or two-bed room+2%+3%plus 9 to 10%
EXKLUSIV 2, single or two-bed room+1%+4%plus 6 to 7%
EXKLUSIV-PLUS 0, single or two-bed room+1%+4%+9%
EXKLUSIV-PLUS 1, single or two-bed roomminus 1%0%guarantee
EXKLUSIV-PLUS 2, single or two-bed room+1%+3%+10%
EXKLUSIV-SI 0, single or two-bed room+2%+3%plus 8 to 9%
EXKLUSIV-SI 1, single or two-bed roomminus 2%minus 3%+2%
EXKLUSIV-SI 2, single or two-bed room+4%+4%+10%
Esprit, two-bed room+13%+12%plus 11 to 12%
Esprit M, shared room+7%+6%plus 9 to 10%
Esprit MX, shared room+7%+6%plus 10 to 11%
Esprit X, two-bed room+7%+6%plus 8 to 9%
KOMFORT 1, two-bed room, family doctor first+8%+9%plus 9 to 11%
KOMFORT 2, two-bed room, family doctor first+7%+7%plus 8 to 10%
KOMFORT 3, two-bed room, family doctor first+7%+7%plus 9 to 11%
KOMFORT-PLUS 1, two-bed room+4%+4%plus 4 to 5%
KOMFORT-PLUS 2, two-bed room+3%+2%plus 4 to 5%
KOMFORT-PLUS 3, two-bed room+11%+11%+14%
KOMFORT-SI 0, two-bed room+1%+3%plus 10 to 11%
KOMFORT-SI 1, two-bed room+4%+4%plus 8 to 9%
KOMFORT-SI 2, two-bed room+3%+2%plus 4 to 5%
KlinikUNFALLpur, hospital supplementguaranteeguaranteeminus 2 to 4%
Prime, single or two-bed room+2%+2%plus 6 to 7%
START, shared room, family doctor first+4%+6%plus 15 to 16%
START-PLUS, shared room, family doctor first+10%+8%+11%
START-SI, shared room, family doctor first+2%+2%plus 11 to 12%

Source: Signal Iduna, 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 Signal Iduna 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 Signal Iduna.

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