Has your private health insurance premium gone up?

Upload your premium letter

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Free. No obligation, for clients and non-clients.

Within minutes. The key figures by email.

Within 3 business days. A written assessment from your advisor.

How it works
Upload your letterThe premium-increase letter from your insurer, as a PDF or photo, plus your old and new monthly premium.
01
Get the key figures by emailWithin minutes: how much more you'd pay per month and per year, and the last day you could cancel.
02
Get your advisor's assessmentWithin 3 business days your Stay advisor sends you a written assessment with the options that fit you.
03
Stay advisors

What your options can be

Switch tariff with your insurer

You have the right to move to another tariff of your insurer with equal or lower benefits, keeping your age reserves (§ 204 VVG).

Change your deductible

A higher deductible can lower the premium.

Move to another insurer

You can cancel within two months of receiving the letter. You must show proof of new cover, so never cancel before your new insurance is confirmed (§ 205 VVG).

Going back to public insurance

Only possible in certain cases and depends on your age and income. Ask your advisor before you act.

Questions about the Contract Check

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Prefer to talk it through? Book a free call with a PKV advisor.