Premium calculation · Health
Diagnostic tests plan
The reference case costs from €101 to €110 depending on the company. From there, 2 tables with 9 bands in all raise or lower the price - the same steps at every company, a different height.
The reference case
Every factor below is 1.00 for this case. Its price is each company's base, plus the rates on the sums it declares.
- Age of the oldest member
- 40
- How many people
- 2 people
The tiers
The price of the basic example by tier, base and percentages on the sums insured, at the company with the cheapest and the company with the dearest estimate.
| Plan | Cheapest | Dearest | Spread |
|---|---|---|---|
| BasicCovers tests at network centres. · the reference tier | €101ERGO Ασφαλιστική | €110Allianz Ευρωπαϊκή Πίστη | +9%7 companies |
| With visitsAdds doctor visits as well. | €161ERGO Ασφαλιστική | €177Allianz Ευρωπαϊκή Πίστη | +10%7 companies |
The factors
The same bands at every insurer, different coefficients
Every figure is one table of the calculation. The two columns in each band are the cheapest and the dearest estimate for the basic example.
From × 0.88 to × 1.28 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | ERGO Ασφαλιστική | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 17 | × 0.90 | × 0.88 |
| 18 – 39 | × 1.00 | × 1.00 |
| 40 – 59 | × 1.06 | × 1.06 |
| 60 – 74 | × 1.14 | × 1.16 |
| 75 and over | × 1.25 | × 1.28 |
From × 1.00 to × 2.00 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table behind the figure
| Band | ERGO Ασφαλιστική | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| 1 person | × 1.00 | × 1.00 |
| 2 people | × 1.39 | × 1.44 |
| 3 people | × 1.67 | × 1.76 |
| 4 people and over | × 1.88 | × 2.00 |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| Annual check-upOne full round of tests a year with no co-payment at all, on top of the normal limit. | Adds doctor visits as well. | €47ERGO Ασφαλιστική | €52Allianz Ευρωπαϊκή Πίστη | +11%7 companies |
| Dental networkA cleaning and a check-up in the network at a fixed price. A small sum, and used more than all the rest. | - | €27ERGO Ασφαλιστική | €30Allianz Ευρωπαϊκή Πίστη | +11%7 companies |
| Mental healthSessions with a network psychologist at the network rate. The cover almost every company added after 2021. | - | €36ERGO Ασφαλιστική | €39Allianz Ευρωπαϊκή Πίστη | +8%7 companies |
| Home emergenciesA doctor at home and an ambulance. It matters where there are children or elderly people. | - | €23ERGO Ασφαλιστική | €25Allianz Ευρωπαϊκή Πίστη | +9%7 companies |
Minimum premium: from €60 to €66 depending on the company. No price falls below its own.