Premium
In one sentence
The monthly amount you pay your insurer, regardless of your state of health.
What it changes for you
In basic insurance, the premium depends neither on your health, nor your sex, nor your income. It depends on three things only: your age class, your premium region, and the model and deductible you chose. That is why comparing makes sense: at strictly identical cover, the gap between two insurers comes from their administration, not from what you receive.
Read next
- Premium regionThe official zoning by which a premium is set per area, never per municipality.
- Age classThe three LAMal categories: child up to 18, young adult from 19 to 25, adult from 26.
- DeductibleThe amount of medical costs you pay in full each year before your insurer starts reimbursing anything.
- LAMal (basic insurance)The federal law making health insurance compulsory and setting a benefits catalogue identical at every insurer.