Long-Term Projection
Lifetime Cost Simulator
See how GKV and PKV costs develop over 30 years. Understand the long-term financial impact of your insurance decision.
Your Profile
Projection runs until age 67
€
Grows at 2.5% per year (assumption)
Only generally accessible statutory insurers shown.
LTC rates vary by number of children (PUEG reform)
Based on 2026 contribution rates
Total GKV cost your share over projection —
Total PKV cost your share over projection —
Lifetime savings by choosing PKV —
Cumulative Cost Over Time
Employee share after employer subsidy (in thousands €)
GKV PKV
Year-by-Year Breakdown
▼ Year Age GKV/mo PKV/mo Savings/mo
Assumptions used in this projection:
Salary growth: 2.5%/yr · Assessment ceiling growth: 3%/yr · PKV medical inflation: 2.8%/yr · GKV additional rate increase: 0.2%/yr · Retirement at age 67. This is a simplified projection for illustration purposes — not a financial guarantee.
This is an illustrative long-term estimate based on typical premium ranges. Actual PKV premiums depend on your health profile, tariff, and deductible. This is not an individual tariff quote.
Understanding the Projection
This simulator models how your health insurance costs would develop over the coming decades under each system. Key dynamics:
- GKV costs rise with your income — as your salary grows, so does your contribution, until capped at the assessment ceiling. The ceiling itself also increases over time.
- PKV costs rise with medical inflation — premiums adjust based on healthcare cost trends (~2.8% annually), regardless of your income.
- Higher earners benefit most from PKV — since GKV is income-dependent and PKV is not, the gap widens as your salary grows.
- The employer always co-pays — in GKV (50% of total) and in PKV (50% of your premium, capped at the GKV employer share).
Ready to see your real numbers?
This projection uses estimated ranges. For a calculation based on your actual health profile and preferred tariff, speak with an advisor.