Overview
- About 60% of private policyholders face premium increases in 2026, with company averages reported at roughly 11% at Allianz, 12.7% at Gothaer, 11.6% at Barmenia and 13% at HanseMerkur.
- More than 40 statutory funds have raised rates, lifting the average supplemental contribution to 2.9% on top of the 14.6% general rate shared by employers and employees.
- BKK Firmus currently posts one of the lowest supplemental rates at 2.18%, corresponding to a total contribution of 16.78%, with other funds varying noticeably.
- Household costs are set to rise, with an average-earning employee expected to pay close to €770 per month for health insurance and higher amounts at the contribution threshold.
- Policyholders are advised to consider internal tariff switches, higher deductibles or canceling add-ons, and private customers have a two-month special cancellation right and access to Standard and Basic social tariffs in hardship cases.