In the area of supplemental hospital insurance, there are two different systems with which health insurers determine the introductory premium and the further premium course.
The usual system for supplemental hospital insurance uses a tariff based on the policyholder's current age. This means that premiums depend on age and, therefore, on risk. Younger and healthy policyholders benefit from relatively cheap premiums. The premiums then rise with increasing age.
The admission age tariff, on the other hand, distributes the risk of rising costs with increasing age throughout the entire expected insurance term. Thus, costs are relatively high for younger policyholders, but increase only moderately later on.
These two systems may also appear in a mixed form, where the current age tariff is used up to a certain age and then the admission age tariff is applied.