Premium calculation · Health
Health insurance
In our own estimate, the basic example costs from €574 to €743, depending on the company. From there, 5 tables with 26 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 17 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
- 38
- Smoker
- No
- Annual excess
- €1,500
- Upper limit a year
- €300,000
- Adults
- Just me
- Children
- None
- The reference tier
- Hospital
- €574 - €743
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 |
|---|---|---|---|
| HospitalCovers hospital care only. · the reference tier | €574Anytime | €743Allianz Ευρωπαϊκή Πίστη | +29%17 companies |
| With out-patient careAdds doctor visits as well. | €931Anytime | €1,203Allianz Ευρωπαϊκή Πίστη | +29%17 companies |
| FullCovers everything, with no co-payment. | €1,322Anytime | €1,708Allianz Ευρωπαϊκή Πίστη | +29%17 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 × 0.55 to × 3.90 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| up to 17 | × 0.55 | × 0.55 |
| 18 - 29 | × 0.73 | × 0.73 |
| 30 - 39 | × 0.86 | × 0.86 |
| 40 - 49 | × 1.00 | × 1.00 |
| 50 - 54 | × 1.34 | × 1.34 |
| 55 - 59 | × 1.68 | × 1.68 |
| 60 - 64 | × 2.15 | × 2.15 |
| 65 - 69 | × 2.85 | × 2.85 |
| 70 and over | × 3.90 | × 3.90 |
From × 1.00 to × 1.21 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| non-smoker | × 1.00 | × 1.00 |
| smoker | × 1.21 | × 1.11 |
From × 0.10 to × 1.60 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| no excess | × 1.60 | × 1.32 |
| €1,500 | × 1.00 | × 1.00 |
| €3,000 | × 0.73 | × 0.86 |
| €6,000 | × 0.25 | × 0.60 |
| €10,000 | × 0.10 | × 0.52 |
From × 0.82 to × 1.30 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| €100,000 | × 0.82 | × 0.90 |
| €300,000 | × 1.00 | × 1.00 |
| €500,000 | × 1.12 | × 1.06 |
| €1,000,000 and over | × 1.30 | × 1.16 |
From × 1.00 to × 3.04 along the scale. Click a band or drag the control.
× 1.00 ±0 € × 1.00 ±0 €
The table with the figures
| Band | Anytime | Allianz Ευρωπαϊκή Πίστη |
|---|---|---|
| one adult | × 1.00 | × 1.00 |
| one adult with children | × 1.33 | × 1.18 |
| a couple | × 2.28 | × 1.68 |
| a couple with one child | × 2.58 | × 1.84 |
| a couple with two children | × 2.83 | × 1.98 |
| a couple with three or more children | × 3.04 | × 2.09 |
Extra covers
A flat price a year, unless the tier already includes it.
| Cover | Inside the tier | Cheapest | Dearest | Spread |
|---|---|---|---|---|
| MaternityMaternity cover, with the waiting time that the policy states - that is, you must take it before you need it, not when you need it. | - | €187Anytime | €241Allianz Ευρωπαϊκή Πίστη | +29%17 companies |
| DentalCleanings, fillings and a share of the big work. It rarely pays for itself in money; it pays when it gets you to the dentist. | - | €85Anytime | €109Allianz Ευρωπαϊκή Πίστη | +28%17 companies |
| Annual check-upOne full round of tests a year, with no co-payment. The most used add-on in the whole line. | Adds doctor visits as well.Covers everything, with no co-payment. | €40Anytime | €52Allianz Ευρωπαϊκή Πίστη | +30%17 companies |
| Second medical opinionA review of your diagnosis by a centre abroad, before a big decision. | Covers everything, with no co-payment. | €16Anytime | €21Allianz Ευρωπαϊκή Πίστη | +31%17 companies |
| Treatment abroadFor treatment that is not given in Greece. Check whether the policy asks for prior approval. | Covers everything, with no co-payment. | €116Anytime | €150Allianz Ευρωπαϊκή Πίστη | +29%17 companies |
Minimum premium: from €234 to €302 depending on the company. No price falls below its own.
Instalments: in two halves the year costs 7% to 8% more, and in four quarters 14% to 16%, by company.