Private health insurance premiums in Germany vary significantly based on age and specific policy features, according to a comparative analysis published by the financial publication Wirtschaftswoche. The evaluation, conducted by Cologne-based Morgen & Morgen GmbH (M&M) and detailed in a report issued in September 2026, examined substitutive private comprehensive health insurance policies to determine the best price-performance ratios for employed workers.
Evaluating Top PKV Tariffs for Policyholders
To identify the leading options, analysts filtered policies that achieved the maximum five-star rating in the M&M rating for full private health insurance, known as the M&M-Rating PKV Vollversicherung, as reported by VersicherungsJournal. According to the findings, the final score relied two-thirds on the policy’s benefit strength and one-third on its monthly premium. Both model profiles evaluated in the study assumed a policyholder seeking a comprehensive health plan with a deductible of up to 500 euros, at least 70 percent dental prosthetic coverage, and single-room hospital accommodations.
To normalize cost comparisons across plans with different deductibles, analysts mathematically added the deductible amount to the standard monthly premium for scoring purposes. The final rankings include statutory nursing care insurance contributions (PVN) within the listed monthly costs.
Top-Rated Tariffs for 30-Year-Old Employees
For a 30-year-old salaried employee, the M&M evaluation identified 11 tariffs achieving an “excellent” rating. Sorted in ascending order by their monthly cost, these leading options include:
- Universa Krankenversicherung a.G.: Tariff uni-Top|Privat 300, PVN costs 604.74 euros monthly, featuring a 300-euro deductible and 90 percent dental replacement coverage.
- Ottonova Krankenversicherung AG: Tariff FC100-10, PVN requires 605.45 euros per month with a maximum 500-euro deductible and 90 percent dental coverage.
- Axa Krankenversicherung AG: Tariff GesundExtra 2, Komfort Zahn-U, PVN is priced at 700.23 euros monthly, with a 450-euro deductible and 75 percent dental coverage.
- Hallesche Krankenversicherung a.G.: Tariff NK.select XL Bonus, PVN costs 749.93 euros monthly with a 0-euro deductible and 90 percent dental coverage.
- Münchener Verein Krankenversicherung a.G.: Tariff 896 Premium SB 500, PVN (401) stands at 753.00 euros per month, with a 500-euro deductible and 90 percent dental coverage.
- Allianz Private Krankenversicherungs-AG: Tariffs GSB70, GSZ75, GSUB90, PVN total 755.27 euros monthly, featuring a maximum 500-euro deductible and 75 percent dental coverage.
- Landeskrankenhilfe V.V.a.G. (LKH): Tariff GUP500, PVN costs 756.25 euros per month with a 500-euro deductible and full 100 percent dental coverage.
- Süddeutsche Krankenversicherung a.G. (SDK): Tariff AM12, S1, Z9, PVN (PPN) is priced at 774.80 euros monthly, featuring a maximum 480-euro deductible and 90 percent dental coverage.
- Bayerische Beamtenkrankenkasse AG (BBKK): Tariffs GesundheitVARIO 400, VARIO KlinikPlus, VARIO ZahnPlus, VARIO AmbulantPlus, PVN cost 817.13 euros per month, with a 400-euro deductible and 90 percent dental coverage.
- UKV – Union Krankenversicherung AG: Tariffs GesundheitVARIO 400, VARIO KlinikPlus, VARIO ZahnPlus, VARIO AmbulantPlus, PVN match the BBKK pricing at 817.13 euros monthly, with a 400-euro deductible and 90 percent dental coverage.
- Barmenia Krankenversicherung AG: Tariff EXP1+, PVN totals 1,025.09 euros per month, featuring a 330-euro deductible and 90 percent dental coverage.
Comparative Options for 40-Year-Old Policyholders
The analysis for a 40-year-old employee includes all 11 insurers from the younger demographic’s top tier, alongside two additional providers: Gothaer Krankenversicherung AG and Signal Iduna Krankenversicherung a.G. Sorted by ascending price, the excellent-rated tariffs for a 40-year-old consist of:
- Universa: Tariff uni-Top|Privat 300, PVN is priced at 733.49 euros monthly, with a 300-euro deductible and 90 percent dental coverage.
- Ottonova: Tariff FC100-10, PVN costs 746.08 euros per month, featuring a maximum 500-euro deductible and 90 percent dental coverage.
- Axa: Tariff GesundExtra 2, Komfort Zahn-U, PVN requires 840.41 euros monthly, with a 450-euro deductible and 75 percent dental coverage.
- Allianz: Tariffs GSB70, GSZ75, GSUB90, PVN total 871.46 euros per month, featuring a maximum 500-euro deductible and 75 percent dental coverage.
- LKH: Tariff GUP500, PVN stands at 882.08 euros monthly, with a 500-euro deductible and 100 percent dental coverage.
- Gothaer Krankenversicherung AG: Tariff MediCompact Premium 480, PVN is priced at 897.80 euros per month, featuring a 480-euro deductible and 75 percent dental coverage.
- Hallesche: Tariff NK.select XL Bonus, PVN costs 898.72 euros monthly with a 0-euro deductible and 90 percent dental coverage.
- Münchener Verein: Tariff 896 Premium SB 500, PVN (401) requires 913.47 euros per month, with a 500-euro deductible and 90 percent dental coverage.
- SDK: Tariff AM12, S1, Z9, PVN (PPN) totals 918.57 euros monthly, featuring a maximum 480-euro deductible and 90 percent dental coverage.
- Signal Iduna Krankenversicherung a.G.: Tariff EXKLUSIV-SI 1, PVN is listed at 927.27 euros per month, with a 500-euro deductible and 90 percent dental coverage.
- BBKK: Tariffs GesundheitVARIO 400, VARIO KlinikPlus, VARIO ZahnPlus, VARIO AmbulantPlus, PVN cost 964.68 euros monthly, with a 400-euro deductible and 90 percent dental coverage.
- UKV: Tariffs GesundheitVARIO 400, VARIO KlinikPlus, VARIO ZahnPlus, VARIO AmbulantPlus, PVN match the BBKK rate at 964.68 euros per month, featuring a 400-euro deductible and 90 percent dental coverage.
- Barmenia: Tariff EXP1+, PVN stands at 1,203.73 euros monthly, with a 330-euro deductible and 90 percent dental coverage.
Worth a look