Decision Tool
Should I Switch?
The most comprehensive PKV decision calculator in Germany. Enter your profile, see your numbers, get a personalized recommendation.
Your Profile
€
LTC rates vary by number of children (PUEG reform)
Based on 2026 contribution rates & ARAG tariff data
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GKV (your share) — per month
PKV (your share) — per month
Monthly savings — by switching to PKV
Lifetime Projection to Age 67
Cumulative employee share (in thousands €)
GKV PKV
Qualitative Factors
This is an illustrative estimate using typical premium ranges for high-quality private insurance. Actual PKV premiums depend on your health profile, tariff, and deductible. Assumptions: salary growth 2.5%/yr, medical inflation 2.8%/yr, retirement at 67. This is not an individual tariff quote.
Ready to make your move?
This tool gives you the data. For a binding, personalized tariff calculation and health assessment, speak with one of our English-speaking advisors.