Beitragsanpassung 2027

uniVersa premium changes for 2027

uniVersa has announced its changes for 1 January 2027: fourteen tariffs stay the same or become cheaper for adults, and twelve rise by 3% to 15%.

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The figures

How much do uniVersa premiums rise in 2027?

For adults, thirteen uniVersa tariffs carry a guarantee and the dental add-on uni-ZZ becomes cheaper. The other twelve rise by 3% to 15%. For children the changes differ, as the table shows.

Guarantee: uniVersa has promised not to raise the premium for this tariff at this age.

Choose an age

Tariffs for employees and the self-employed, 26 tariffs

Premium changes from 1 January 2027 at uniVersa, tariffs for employees and the self-employed, by tariff and age
TariffChild 7Teen 17Age 26Age 32Age 38Age 44Age 55
uni-A 100, outpatient onlyguaranteeguaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-A 1360, outpatient onlyguarantee+7%+5%+5%+6%+6%+7%
uni-A 155, outpatient only+12%+11%+11%+11%+11%+12%+13%
uni-A 310, outpatient onlyguarantee+6%+7%+8%+9%+10%+11%
uni-A 620, outpatient onlyguarantee+9%+9%+10%+10%+11%+13%
uni-A 80, outpatient, 20% deductibleguaranteeguaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ST 1/100, hospital, single room+27%guaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ST 2/100, hospital, two-bed room+43%guaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ST 3/100, hospital, shared room+49%guaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-SZ II-E, hospital supplementguaranteeguaranteeguaranteeguaranteeguaranteenot offered at this agenot offered at this age
uni-SZ-E, hospital supplementguaranteeguaranteeguaranteeguaranteeguaranteenot offered at this agenot offered at this age
uni-Top|Privat 1000, single or two-bed room+12%guarantee+6%+7%+7%+7%+7%
uni-Top|Privat 300, single or two-bed room+10%+13%+15%+15%+15%+14%+14%
uni-VE 1300G, single or two-bed room+8%+6%+6%+6%+7%+7%+9%
uni-VE 1300H, single or two-bed room+12%+6%+6%+6%+7%+7%+9%
uni-VE 2000G, single or two-bed room+9%+6%+6%+6%+7%+8%+9%
uni-VE 2000H, single or two-bed room+6%+6%+5%+6%+6%+7%+8%
uni-VE 900 K, single or two-bed room+11%guaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ZA 100, dentalguaranteeguaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ZA 80, dentalguaranteeguaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ZA 90, dentalguaranteeguaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ZZ, dental add-onminus 11%guaranteeminus 13%minus 12%minus 12%minus 11%minus 11%
uni-ZZ-Spezial, dental add-on+15%minus 24%guaranteeguaranteeguaranteeguaranteeguarantee
uni-intro|Privat 300, shared roomguaranteeguarantee+3%+4%+4%+5%+6%
uni-intro|Privat 600, two-bed room+43%+11%guaranteeguaranteeguaranteeguaranteeguarantee
uni-intro|Privat-Spezial, shared room, eastern Germany+27%+10%+10%+10%+11%+11%+12%

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

Special tariffs for doctors and dentists, 4 tariffs

Special tariffs for doctors and dentists, 4 tariffs
Premium changes from 1 January 2027 at uniVersa, special tariffs for doctors and dentists, by tariff and age
TariffChild 7Teen 17Age 26Age 32Age 38Age 44Age 55
uni-AM 155, outpatient only+13%+7%+7%+7%+7%+8%+8%
uni-AM 620, outpatient onlyguarantee+10%+10%+10%+11%+12%+14%
uni-STM 100, hospital, single room+30%guaranteeguaranteeguaranteeguaranteeguaranteeguarantee
uni-ZAM 100, dentalguaranteeguaranteeguaranteeguaranteeguaranteeguaranteeguarantee

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

Your options

What can I do about my uniVersa increase?

You can switch to another uniVersa 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 uniVersa.

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