PKV vs GKV Calculator

This calculator projects what GKV and PKV cost over your whole life, not just your premium this year. It models the employer share, the premium changes at 61 and 80, your retirement income and children's cover. Every assumption is published.

Inputs

Existing health conditions

Month and year of birth

Employee or Self-Employed

Monthly salary (gross)

During Retirement - Monthly Statutory Pension

For Self-Employed, monthly Capital Gains & Rental Income

During Retirement - Monthly Company Pension

During Retirement - Monthly Capital Gains, Rental Income & Private Pension (Riester, Rürup)

PKV cover type

Locked (Pro)

Life expectancy

Enter your current monthly PKV premium including long-term care insurance

Enter the monthly amount that you pay for supplementary insurance, if any

Marital Status

What insurance does your spouse have?

Do you earn more than your partner?

How many children do you already have?

How many more children do you plan to have?

Children cover type

Enter the age of your first child

Enter the age of your second child

Enter the age of your third child

Enter the age of your fourth child

How long have you been working for, in years? (do not count mini-jobs)

Results (How much will you pay over your lifetime?)

Run a calculation to see results.

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Disclaimer

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Data Sources

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Check out what data sources we have used to build the calculator.

Methodology and Assumptions

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Check out our assumptions to understand how different values have been calculated where actual data is not available.

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