This premium model of supplementary hospital insurance takes into account the age of the insured when coverage begins or ends - as opposed to the age tariff. The risk of the age group(s) to which the insured will belong during the validity period of his contract is then evenly distributed for that duration. This means that the younger customer will pay higher premiums than is normal for his age, but further raises can only be due to cost adjustments in the health care system and the insurance company's risk structure. The health insurance companies Groupe Mutuel, Swica and Sanitas offer this tariff.
