Financial incentives for claim-free years
Private health insurance encourages responsible use of healthcare services through premium refunds for claim-free years.
At ARAG this system is called:
Beitragsrückerstattung (BRE)
Up to two monthly premiums refunded
Policyholders in the tariffs:
- KomfortKlasse
- MedExtra
- MedBest
can receive up to two monthly premiums refunded after a claim-free year.
The exact amount is determined annually by the insurer's board.
Full refund already after the first year
Unlike some insurers, ARAG grants the full bonus already after the first claim-free year, regardless of how long the contract has existed.
Preventive care does not reduce your bonus
Preventive medical services do not affect the bonus entitlement.
These include for example:
- Vaccinations
- Preventive check-ups
- Dental prophylaxis (depending on tariff)
This ensures that policyholders do not postpone important preventive treatments.
Potential annual refunds
Depending on tariff and deductible.
Calculate Your Potential Refund
Learn how the no-claims bonus can reduce your effective insurance cost.
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