PKV Tariffs
Three Tiers. One Standard.
Every ARAG health tariff includes aging reserves, lifelong benefit guarantees, and no-claims bonuses. The difference is how far your coverage reaches.
ENTRY LEVEL KomfortKlasse
Solid foundation with comprehensive coverage. Flexible deductible options for premium optimization.
- 1-bed hospital room
- Chief physician treatment
- Dental prosthetics: 75%
- Flexible deductible: €0–€1,500
The balanced choice. Premium coverage with optimized cost-benefit ratio — chosen by most of our clients.
- 1-bed hospital room
- Chief physician treatment
- Dental prosthetics: 90%
- Extended outpatient coverage
The complete package. Maximum reimbursement across all categories — for those who want the best.
- 1-bed hospital room
- Chief physician + specialists
- Dental prosthetics: 100%
- Worldwide coverage
What's included in every tariff
No-Claims Bonus Learn more →
Lifelong Guarantee Learn more →
Stable Premiums Learn more →
Health App Learn more →
Not sure which tariff fits?
We'll analyze your situation and recommend the optimal tier — including deductible strategy and employer subsidy calculation.