Premium refunds in private health insurance

Many private health insurance tariffs offer contribution refunds when no claims are submitted during a calendar year.

This mechanism is called:

Beitragsrückerstattung (BRE)

Typical refund levels

Depending on tariff and insurer, refunds can equal:

Some insurers also provide additional fixed refunds.

Preventive services often remain bonus-neutral, for example:

This allows policyholders to maintain preventive care without losing eligibility for refunds.

Many policyholders choose to pay smaller medical bills privately.

Example:

In such cases, submitting the claim would reduce the refund.

Refund rules depend entirely on:

They cannot be guaranteed for future years.