Disclaimer

1. This calculator is meant to work as an educational tool to make you aware of the aspects that you need to consider, as you decide between GKV and PKV or a tariff type (basic, standard, premium) within PKV.
2. This tool is meant to provide estimates on how GKV and PKV premiums might vary over your lifetime. Since large nuber of variables affect GKV and PKV premiums, the actuals might vary in the coming years. Read the assumptions used for the calculator and use these estimates accordingly.
3. This tool cannot replace the guidance of a licensed insurance intermediary.
4. The calculator should show good estimates for most employees and self-employed persons. In case you are in a healh insurance fund, which caters to specific employment groups only and is not open to the public, the estimates might not be accurate for you.