Disclaimer

1. This calculator works as an educational tool to make you aware of what you need to consider, as you decide between GKV and PKV or a tariff type (basic, standard, premium) within PKV.

2. This tool provides estimates on how GKV and PKV premiums might vary over your lifetime. Since large number of variables affect GKV and PKV premiums, the actuals might vary in the coming years. Read the methodology & 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 shows reasonable estimates for most employees and self-employed persons. In case you are in a health insurance fund, which caters to specific employment groups only and is not open to the public, the estimates might not be accurate for you.