Basic health insurance
According to legal regulations (KVG), there are three age groups in basic health insurance:
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Children |
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Children up to and including the age of 18 (including the year in which they celebrate their 18th birthday). |
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Young adults |
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Young adults between the ages of 19 and 25. |
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Adults |
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All adults from the age of 26. |
Insurers must define lower premiums for policyholders up to and including the age of 18 (children) than for older policyholders (adults). They have the right to do the same for policyholders below the age of 25 (young adults). The contribution to costs also varies depending on the age group.
Supplementary health insurance
For supplementary insurance, a distinction is commonly made between current age and admission age.
