Free Tool

Private Health Insurance Cost Calculator — Germany 2026

Get a realistic estimate of your private health insurance (PKV) premium in Germany. Based on real 2026 tariff data from Debeka, Allianz, DKV, and other leading insurers.

Your details

Your age

Employment status

Gross monthly income (€)

Health status

Deductible (Selbstbehalt)

Fill in your details and click "Calculate" to see your estimate.

Why does age matter so much?

PKV premiums are calculated based on your age at entry. The younger you switch, the lower your base premium — and it stays lower for life.

What does the deductible do?

Choosing a higher Selbstbehalt (deductible) lowers your monthly premium significantly — ideal if you rarely need healthcare.