The premiums of günstige private krankenversicherung depend on several factors which include the monthly earnings of the person, age, medical condition and tariff. Spouse and children with monthly earnings of less than € 450 have to be covered separately. The amount to be paid as premium will be calculated separately for each of the insured persons. As a part of a mandatory practice, a medical and dental examination will be requested by most of the private health insurance providers before the policy becomes effective. Once the premium is agreed upon, the insurance companies do not have a right to increase the premium amount because of the member's individual expenses. The annual adaption of premium is based up on the development of general health expenses.

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