PKV tariffs are very unstable

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Partially massive increases in premiums for private health insurance

The contributions in private health insurance (PKV) are drifting further and further apart. While in some tariffs the premiums have remained almost stable or have risen moderately continuously, in other tariffs increasingly massive premium adjustments are due, according to the latest study by the rating agency Morgen & Morgen.

In private health insurance, contributions are generally subject to annual adjustments, with insurance companies deciding to increase them almost every year for reasons of economy in various tariffs. The experts note a clear widening of the gap between the particularly good and the particularly bad insurance tariffs, even if the premium adjustments this year were roughly in line with the previous year.

13 percent premium increases in individual PKV tariffs The rating agency Morgen & Morgen analyzed more than 3,500 insurance tariffs of the PKV as part of its current investigation and found that the premium development is fundamentally different and the gap between the particularly cheap and the particularly expensive Tariffs always diverge. Although the premium adjustments in private health insurance from 2010 to 2011 as a whole did not differ much from previous years, extreme increases in premiums were recorded in some tariffs, according to the results of Morgen & Morgen. "We speak of an average of over 7 percent adjustment per year - in extreme individual cases, however, of almost 13 percent," the experts report. Overall, the massive premium increases in some tariffs in the past ten years would have cost EUR 3,428, reported the managing director of Morgen & Morgen Dr. Martin Zsohar. According to the current results, this affects primarily the already lower tariffs, so that the gap between the particularly good and the particularly bad tariffs widens significantly.

Wide gap between cheap and bad PKV tariffs Dr. According to Zsohar, when you take out insurance in private health insurance, both the chance of getting a particularly good tariff and the possibility of receiving a particularly bad tariff have increased significantly. The number of very unstable tariffs with only one star in the rating has increased by 60 percent, reports the expert. On the other hand, the particularly good tariffs, so-called top performers with a rating of five stars, have increased by 40 percent. While premium increases of up to 13 percent were not uncommon with the particularly expensive tariffs, only average increases of 2.7 percent per year were made for the top performers. In the more than 3,500 insurance tariffs examined, average premium increases of 4.9 percent were due this year. In the end, insured persons willing to change only have to do thorough research as an option in order to get some clues for the selection of their future insurance, according to Morgen & Morgen. (fp)

Read on:
Numerous private health insurance companies are planning to increase premiums in 2011
GKV and PKV negotiate about citizen insurance?
Hallesche denies excessive PKV commissions
New special regulations for changing PKV

Photo credit: Margot Kessler /

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