Private health insurance premiums are made up of different components. Each component serves a different purpose.
Kostenanteil (Cost position) covers the insurance company’s administrative costs, such as taking out insurance, settling claims, etc.
Here are all the components of the private health insurance premium
- Risk portion (Riskioanteil / Risikozuschlag)
- Savings portion (Sparanteil)
- Transfer value (Übertragungswert)
- Cost portion (Kostenanteil)
- 10% statutory surcharge (Gesetzlicher Zuschlag)