German Private Health Insurance
What does the PKV really cost? Monthly premium, employer subsidy, deductible and premium refund — at a glance.
Person
Tariff
Premium Refund
06
- Monthly Premium
- €366
- Employer / Beihilfe
- €183
- Your Share/Month
- €183
- Deductible
- €600
- Premium Refund
- €731
- Effective Annual Cost
- €2,062
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Cost Breakdown
| Category | Amount |
|---|---|
| PKV Monthly Premium | €365.50 |
| − Employer / Beihilfe Subsidy | −€182.75 |
| Your Monthly Share | €182.75 |
| Annual Premium (12 ×) | €4,386 |
| Your Annual Share | €2,193 |
| + Deductible (max./year) | +€600 |
| − Premium Refund (BRE) | −€731 |
| Effective Annual Cost | €2,062 |
Note: Simplified model: PKV premiums are individual and actuarial — medical underwriting, entry age and tariff details determine your actual premium. This calculator shows typical 2026 market averages and is not a substitute for individual advice. Civil servants: assumed Beihilfe rate 70 % (federal, single). Employer subsidy capped at €471.32/month under §257 SGB V.
Background
Private Health Insurance Germany 2026: Premiums, Deductibles, Refunds and the GKV-to-PKV Switch
12 Min.