Comprehensive insurance from young adult to old age

How your age affects your premium

Has your premium gone up or down more than the general trend this year? Perhaps this is because of your age. Here you’ll find out how age can influence your basic and supplementary insurance premiums.

Your premium is affected by the cost of claims generated by all the people insured under the same plan and the premium region of your place of residence. These general developments and trends are also communicated in the media. Your age also influences your insurance premium.

Changes for basic insurance

Insureds born in 2004 switch to the young adult age group next year. This means they will switch from the children’s discount to the discount for young adults. Insureds born in 1997 switch to the adult tariff, which means they lose the young adult discount. These age groups will therefore notice a bigger change in their premium.

Overview of the child and young adult discounts: both are dependent on the premium region:

  • Children’s discount: 75.8 to 77.5% discount on the adult premium for children up to age 18
  • Young adult discount: 30 to 38% discount on the adult premium for young people aged between 19 and 25

Changes for supplementary insurance

The premium for your supplementary insurance plan/s may also change depending on your age. Adults usually move to the next age group up every five years or so. These switches generally result in a change in the premium, because this is based on the cost of claims of everyone insured in your age group.

Maybe you are affected by such a change this year. Even so, it makes sense to keep your supplementary insurance plan(s). Because, depending on your medical history, it can become increasingly difficult to be admitted to supplementary insurance later in life. That’s why we recommend that our customers think twice before terminating their supplementary insurance. Plus, you close important gaps left by basic insurance, be sure you have the best possible cover, and benefit from many advantages.

Are you aware of all the benefits? You’ll find further information here: