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.
📉 Stable Premiums in RetirementAging reserves and the 10% statutory surcharge work together to keep your premiums manageable after 65.
♾️ Lifelong Benefit GuaranteeYour coverage is contractually locked — no legislative changes can reduce your benefits.
📱 ARAG Health AppSubmit invoices, track reimbursements, and manage your coverage — all from your phone.
👶 Parental Leave SecurityContribution exemption during parental leave — your coverage continues without interruption.
⚖️ Patient Legal ProtectionBuilt-in legal assistance for disputes with healthcare providers — unique among German PKV insurers.
See these features in action
Compare tariffs to find which combination of features fits your needs.