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Notices to customers

New since January

Risk compensation ensures fair competition among health insurance companies and is regularly checked and adjusted. Read here about the latest risk compensation review and its impact in 2017.

Health insurers have varying numbers of sick customers. Insurers with a high proportion of sick customers receive financial contributions from those with a low share of sick customers by way of risk compensation. The calculation of risk compensation will be refined from 2017. This will mean an additional burden for insurers with an above-average proportion of customers in good health, thereby resulting in a significant premium increase. Companies with policyholder groups that have a relatively high proportion of risk, by contrast, will receive money from the compensation fund. As a result, the large differences in premiums in the sector will decrease and competition in terms of quality and added value will be strengthened – a development which we welcome.

Helsana merges basic insurance subsidiaries

The improvement to the risk compensation mechanism will mean an additional burden for insurers with an above-average proportion of policyholders in good health, such as Avanex and Sansan, thereby resulting in a significant premium increase. In response, we are merging basic insurance subsidiaries Avanex and Sansan with Helsana and Progrès, respectively. As a result, premiums for Avanex customers (now Helsana customers) and Sansan customers (now Progrès customers) will increase less sharply. In addition, premium fluctuations will be somewhat lower in the now even larger Helsana and Progrès collectives.

Consistently solidary

Insurers with rather healthy insured persons pay a contribution to risk compensation – those with rather ill insured persons receive

Risikoausgleich

Other changes

An overview of all the changes is available as a PDF document that you can download, print out or request from our Client Service team: 0844 80 81 82.

Changes as of 1 January 2017 (PDF, 100KB)