The media and consumer associations to discuss the private health insurance has long been over and over again. But at least since the numerous debates in the Bundestag on health care reform is on everyone’s lips. But what now makes private health insurance for the popular alternative to the statutory health insurance First, the calculation model for private health insurance in some respects from the statutory competitors differs. Thus, the legislature with the Insurance Act, in particular the requirement contained in section 11 a.m. to 12 p.m., for both versions of the major insurance starting points for calculating the contribution payable. Accordingly, it is clear, inter alia, for the private health insurance that they can learn only by age provision an application ( 12 VAG). The outstanding feature in the cost estimate for the private health insurance and the resulting premium is the principle of equivalence. Here is that the insurer always a balance between age provision andFare on the one hand and the expected insurance benefits in the future, on the other hand, may be granted – and taking into account the interest income on reserves. It just those resulting impact on private health insurance, which make it the much-vaunted investment with a future. Based on the theoretical effectiveness of the equivalence principle, can benefit the policyholder in the practice of the following from this principle of ensuring the Erfllbarkeitsstabilitt the completed insurance policy. That alone requires one of the insurance contract wagnisgerechte calculate each contribution rates. And it is this very stable in the long run, the contributions are especially lucrative. Finally, in the longer term, this means that you – despite the inevitable increase an insured age – the contribution rate still may take into their own hands.