Health Insurance Calculator GKV vs PKV 2026
Compare public and private health insurance in Germany 2026. Calculate contributions, employer share, and annual difference.
Personal Data and Income
Comparison of GKV vs PKV Annual
Detail GKV
Come utilizzare Calcolatore Assicurazione Sanitaria GKV vs PKV 2026
Insert annual gross income
Annual gross income determines the GKV calculation base. Above €66,150 per year, a maximum threshold (contribution allowance limit) is reached.
Insert age and personal data
The PKV calculates the prize based on age. Non-parents over 23 pay a +0.6% Pflegeversicherung supplement.
Set PKV Base Reward
Concise length maintained. The basis contribution PKV varies depending on the chosen tariff. A typical range is 200-800 EUR/month. The calculator automatically adds age supplements.
Compare GKV vs PKV
Show annual difference and employer contribution for both options.
Suggerimenti
- It's often more convenient for families: family members covered under the policy (spouse, children) are free.
- PKV offers premium performance but premiums increase with age. Evaluate long-term value carefully.
- Concise contributions for 2026 are around 1.7%. Varies by fund (1.5%-2.5%). Choose the health insurance with low supplementary contribution.
- Passing from PKV to GKV after age 55 and very difficult. Choosing PKV is often final.
Domande frequenti
Who can choose PKV?
Only employees with annual income above €69,300 (2026 insurance obligation threshold), freelancers, public officials (Beamten) and students have the right to PKV.
How does the employer's contribution work for the PKV?
Employer pays up to the middle of the GKV contribution equivalent. For PKV, reimbursement is capped at 50% of the GKV contribution that would have been paid in GKV.
What is the contribution limit?
Maximum ceiling (€66,150 per year in 2026) on which the GKV contribution is calculated. Higher income does not increase the GKV contribution of the insured person.
Why do childless people pay more for Pflegeversicherung?
From 2024, those without children pay a 0.6% supplement for the Pflegeversicherung (PV), covering the higher statistical risk of needing care without family support.