For hospital supplementary insurances, the health insurances have two different systems with which they decide on admission premiums and the further premium development.
The ususal system for hospital supplementary insurances is the one according to the current age tariff. According to this tariff, the premiums depend on age and therefore on the risk. Younger and healthy policyholders benefit from relatively cheap premiums. With increasing age the premiums increase as well.
With the admission age tariff, the risk of higher costs at an older age is distributed onto the whole expected insurance duration. According to this tariff, the premiums for younger policyholders are relatively high – however, later on, they only increase moderately.
Both tariff systems can also appear in a mixed form: the current age tariff applies up to a certain age. After that, the admission age tariff applies.
