ATTENTION: Solid premium increase for PKV from July - what threatens now!

ATTENTION: Solid premium increase for PKV from July - what threatens now!

From July 1, 2025, it will be properly more expensive for privately insured persons: The monthly contributions in Standard tariff of private health insurance (PKV) Percent, which raises the contribution from 400 euros to 500 euros so far. This applies not only to the standard tariff, but also to the basic tariff. While this increase is worried, it must also be taken into account that there was an adaptation in the previous year that was 9.3 percent.

The standard tariff was originally introduced in 1994 with the aim of offering older insured persons with a limited income. Around 53,900 people currently use this tariff, which has established itself as a social tariff. The adjustments to the contributions in the private health insurance are regulated by law and may only be carried out if the actual performance expenditure exceeds the original calculation by at least 10 percent. This regulation is intended to ensure that the insured are protected against impossible price increases.

background of the increase in premium

The main cause of increasing the PKV contributions is the increased hospital costs. According to the PKV-Verband , the expenses in the hospital sector have already increased by over 13 percent in 2023. The care costs that have increased by 37.5 percent in the past two years are particularly striking. In addition, it can be observed that the number of predictable hospital treatments, such as knee endoprostheses, has increased significantly in 2023. These facts mean that both private and statutory health insurance companies come under pressure.

The average contribution in the standard tariff reflects these developments and is newly calculated in accordance with the insurance mathematical rules. It is worth noting that the legal framework conditions for contribution adjustments provide that they are only permitted if performance expenses or life expectancy deviate by at least 5 percent. In 2025, around two thirds of all PKV tariffs are forced to increase an increase.

A look into the future

Another weak point of the current Situation is that the PKV does not receive any tax grants in contrast to statutory health insurance. This means that the financing gaps that result from rising costs must be concluded solely by the contribution adjustments. The Onlinee-PKV-Dienst also explains that the non-contributory times remains insured, even if access to the standard tariff for the standard tariff was closed privately after December 31, 2008. The basic tariff is offered as an alternative and is based on the benefits of statutory health insurance, but also with corresponding price increases.

For everyone who is affected by the premium increases, it is advisable to check their existing contracts and consider alternatives. In particular, the need for additional insurance blocks should be questioned in order to manage the financial burdens in the best possible way. Comprehensive advice and tariff analysis can help to find the right solution and to avoid unpleasant surprises.