Kostenanteil

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)
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