Premium calculation · Health
Diagnostic tests plan
In our own estimate, the basic example costs from €130 to €169, depending on the company. From there, 2 tables with 9 bands in all raise or lower the price: the same steps at every company, at another height.
The prices are our own estimates, and they can be wrong. They are not offers or an official ranking, and we sell no insurance. The algorithm is public. Why
The prices of each company are our own estimate. They come from our own research of the market and our judgement as people of the industry. They are not a price that the company publishes. We can be wrong, and the order of the ranking is more reliable than the exact price. Only the company gives the real price, with all your details. None of the 16 companies gave us a price.
The reference case
The price of the example is the one the comparison shows for these answers: the base of each company, the rates on the sums insured, the factors and the extra covers of the example.
- Age of the oldest
- 40
- How many people
- 2 people
- The reference tier
- Basic
- €130 - €169
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 | €130Υδρόγειος Ασφαλιστική | €169Allianz Ευρωπαϊκή Πίστη | +30%16 companies |
| With visitsAdds doctor visits as well. | €208Υδρόγειος Ασφαλιστική | €271Allianz Ευρωπαϊκή Πίστη | +30%16 companies |
The factors
Every insurer has the same bands, but its own 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 × 0.81 to × 1.46 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 17 | × 0.81 | × 0.88 |
| 18 - 39 | × 1.00 | × 1.00 |
| 40 - 59 | × 1.10 | × 1.06 |
| 60 - 74 | × 1.26 | × 1.16 |
| 75 and over | × 1.46 | × 1.28 |
From × 1.00 to × 2.63 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | INTERASCO | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| 1 person | × 1.00 | × 1.00 |
| 2 people | × 1.72 | × 1.44 |
| 3 people | × 2.24 | × 1.76 |
| 4 people and over | × 2.63 | × 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. | €41INTERASCO | €52Allianz Ευρωπαϊκή Πίστη | +27%16 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. | - | €24INTERASCO | €30Allianz Ευρωπαϊκή Πίστη | +25%16 companies |
| Mental healthSessions with a psychologist of the network at the network price. | - | €31INTERASCO | €39Allianz Ευρωπαϊκή Πίστη | +26%16 companies |
| A doctor at home in an emergencyA doctor at home and an ambulance. It matters where there are children or elderly people. | - | €20INTERASCO | €25Allianz Ευρωπαϊκή Πίστη | +25%16 companies |
Minimum premium: from €53 to €66 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 8% to 8% more, and in four quarters 16% to 16%, by company.