General orientation on the PKV/GKV comparison – does not replace individual insurance, tax, or legal advice.
From age 55, switching from PKV back to GKV is legally excluded (§6 para. 3a SGB V) — regardless of income or employment status.
From age 67, GKV contributions are based on your pension instead of salary — hence the significant drop. You can adjust the contribution inflation rate (currently 3.8%) under 'Detailed Settings'. PKV premiums in old age depend on factors that cannot be fully predicted.
Learn more about retirement insurance planning