Why ARAG

Built-In Advantages

Every ARAG PKV tariff includes features designed to reward responsible use, protect your family, and secure your coverage for life.

Up to two monthly premiums refunded after a claim-free year. Preventive care doesn't reduce your bonus.

Aging reserves and the 10% statutory surcharge work together to keep your premiums manageable after 65.

Your coverage is contractually locked — no legislative changes can reduce your benefits.

Submit invoices, track reimbursements, and manage your coverage — all from your phone.

Contribution exemption during parental leave — your coverage continues without interruption.

Built-in legal assistance for disputes with healthcare providers — unique among German PKV insurers.

Compare tariffs to find which combination of features fits your needs.