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Which health insurance company offers the most family discount?

Children have lower premiums and young adults between 19 and 25 years receive a discount from many health insurance companies. Here you will find the Overview.

In principle, all health insurance companies offer a reduced premium for children up to the age of 18. At some health insurance companies, families with many children also benefit from the fact that the third and every additional child benefits from a family discount.

The health insurance companies may give a discount on premiums to young adults between the ages of 19 and 25 (but they do not have to). It does not matter whether young adults are still in training or not. The discount is allocated automatically, an application is not required.

The switch from child to youth practice takes place on January 1 after the child has celebrated its 18th birthday. The following change to adult practice takes place on January 1 after the person celebrates his 25th birthday.

But just: The discount is voluntary and varies from cash register to cash register. It ranges between 0 and 20 percent, and health insurance companies have steadily and markedly shut it down in recent years. More and more health insurance companies are canceling the discount for young people completely.

Tip for teenagers: If you switch to a cash desk with a large youth discount, there is a striking premium jump if the cash register is no longer allowed to give the discount as soon as you turn 26. But that doesn't matter, because the basic insurance can be changed every year.

Register your child with the health insurance company: how it works

Young parents should have registered their child with a health insurance company no later than three months after birth. However, mothers and fathers are well advised to complete the registration before the birth. All you have to do is inform the health insurance company of the name and date of birth of the offspring after the birth. 

In addition, you can also opt for supplementary insurance without a health check before the birth. The following conditions apply to basic insurance for children and adolescents: 

    • Birthday is automatically considered to be the start of insurance
    • Health insurance providers are freely selectable
    • Benefits are the same for all health insurers
    • Health insurance can be changed at the end of the year 

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Overview of family discounts

Here you will find an overview of the family discounts which health insurance companies grant for your children.

health insurance
Children's discount OKP
Youth discount OKP
Special promotions and regulations
SWICA
75%
12%
To the premium calculator
Helsana
75%
10%
90% child discount OKP from the 3rd child: In the OKP 90% child discount is granted from the 3rd child (0-18 years) in a family.
Progres
75%
10%
CSS
78%
8%
Family discount: Premium discount on various additional insurance policies if the legal guardian and the child / young person live together in one household and are insured with CSS: up to 100% discount for children and young people up to the age of 20.
Concordia
72-78%
3-6%
From the 3rd child: 88% premium discount in basic insurance.
Visana
76-78%
3-12%
Up to 90% child discount in OKP for every third and additional child insured with Viana.
Assura
73-79%
0%
From the age of 26, Assura guarantees lifelong maintenance of the entry age for supplementary insurance.
Sanitas
75%
10%
From the 2nd child 80% discount. Prerequisite: The children are insured with the same insurance provider.
Compact
75%
0%
From the 2nd child 80% discount. Prerequisite: The children are insured with the same insurance provider.
Group Mutuel
72-78%
6%
Family Discount: Global classic underage children receive a 40% discount
KPT
79%
8%
Family discount: From the 3rd child, the oldest child receives nursing plus or nursing comfort and / or hospital cost insurance for the general ward free of charge.
ÖKK
75-78%
0-8%
Family discount: For ÖKK FAMILY and ÖKK FAMILY FLEX children up to 18 years get 50% and teenagers from 19-15 years 20% discount.
Agrisano
78%
The first two children and adolescents (up to 18 years) receive a 78% premium reduction compared to the adult premiums.
Aquilana
75%
20%
75% lower premiums for the first and second child (up to the age of 18). Young adults (ages 19 and 25) receive a lower premium than older insured persons (adults). The discount is 20%.

Information without guarantee - status: February 2019

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