Ascore Illuminates PKV Tariff Landscape
- Users of ASCORE Navigator analysis software can now access updated scoring results for a total of 30 health insurers, according to an declaration by the analysis firm.
- A significant change in the new scoring involves the inclusion of budget tariffs in the private health insurance sector.
- Following the initial assessment of budget tariffs in occupational health insurance within the ASCORE analysis product scoring in 2022, the current scoring vintage extends this evaluation to budget...
ASCORE Updates Health Insurance Tariff Scores for 2025
Users of ASCORE Navigator analysis software can now access updated scoring results for a total of 30 health insurers, according to an declaration by the analysis firm. The 2025 ASCORE analysis product scoring for private full and supplementary insurance tariffs includes updates and re-admissions for 493 tariffs in the private health and health insurance sectors. Tariffs are evaluated on a scale of 1 to 6, ranging from “weak” to “very good.”
Areas Examined in the Scoring
- Outpatient supplementary insurance
- Outpatient requirements
- Inpatient supplementary insurance
- Inpatient supplementary insurance – accident consequences
- Dental supplementary insurance
- Care allowance
- Care Bahr
- Daily sickness benefit
- Travel abroad coverage
Budget Tariffs in Private Health Insurance Assessed
A significant change in the new scoring involves the inclusion of budget tariffs in the private health insurance sector.
Evaluation of Budget Tariffs
Following the initial assessment of budget tariffs in occupational health insurance within the ASCORE analysis product scoring in 2022, the current scoring vintage extends this evaluation to budget tariffs in private health insurance. The assessment currently includes tariffs from three companies, with expectations of market growth in this area.
The “Budget (outpatient)” criteria catalog evaluates onyl outpatient services, incorporating a total of 58 criteria, 27 of which are evaluation-relevant. The “Budget (outpatient, stationary, dental)” catalog comprises 90 criteria, including 44 relevant to the evaluation.This broader assessment includes services from inpatient (excluding optional services) and dental areas, in addition to outpatient services.
In the “Budget (outpatient)” category, two tariffs received the top grade of “outstanding,” five received “excellent,” and three were rated “very good.” No tariff received a lower rating.
Within the “Budget (outpatient, stationary, dental)” category, one tariff was rated “outstanding,” one “excellent,” five tariffs received “very good,” and three were rated “good.” The ratings ”sufficient” and “weak” were not assigned to any tariff.
ASCORE Updates Health Insurance Tariff Scores for 2025: Your Questions Answered
What is ASCORE and What Does It Do?
ASCORE is a software analysis product used to evaluate and score health insurance tariffs. It provides users, namely those in the financial analysis sector, with a complete look at various insurance plans. The scoring helps users understand the quality and value of different health insurance options.
What’s New in the 2025 ASCORE Analysis?
The 2025 ASCORE analysis includes updated scoring results for 30 health insurers. These scores encompass private full and supplementary insurance tariffs.A significant update is the inclusion of budget tariffs in private health insurance, expanding the scope of the analysis.
How Many Tariffs Were Analyzed in the 2025 Scoring?
The 2025 analysis included updates and re-admissions for 493 different tariffs across the private health and health insurance sectors.
What Scale Does ASCORE Use to Rate Health Insurance tariffs?
ASCORE evaluates tariffs on a scale of 1 to 6. The ratings range from “weak” (1) to “very good” (6), providing a clear and concise way to compare different health insurance plans.
What Areas of Health Insurance Are Examined in the Scoring Analysis?
The scoring examines various aspects of health insurance coverage. These include:
- Outpatient supplementary insurance
- Outpatient requirements
- Inpatient supplementary insurance
- Inpatient supplementary insurance – accident consequences
- Dental supplementary insurance
- Care allowance
- care Bahr
- Daily sickness benefit
- Travel abroad coverage
What Are “Budget Tariffs,” and Why Are They Important in this Analysis?
“Budget Tariffs” refer to health insurance plans typically offered at a lower premium, ofen with more limited coverage options. The inclusion of budget tariffs in the ASCORE analysis is a significant advancement because it reflects the growing importance of these cost-effective insurance options in the market.The analysis currently reviews and rates tariffs from three companies within this budget category, with expectations of further market growth in this area.
How Were Budget Tariffs evaluated?
The evaluation of budget tariffs uses detailed criteria catalogs.Two main categories exist:
Budget (outpatient): This category focused on outpatient services and employed 58 criteria, with 27 relevant for evaluation.
Budget (outpatient, stationary, dental): This broader category assessed outpatient, inpatient (excluding optional services), and dental services, using 90 criteria, with 44 relevant to the evaluation.
What Were the Ratings for “Budget (outpatient)” Tariffs?
In the “Budget (outpatient)” category:
Two tariffs received the top grade of “outstanding.”
Five tariffs were rated “excellent.”
Three tariffs received a “very good” rating.
No tariff received a rating lower than “very good”.
What Were the Ratings for “Budget (outpatient, stationary, dental)” Tariffs?
In the “budget (outpatient, stationary, dental)” category:
One tariff was rated ”outstanding.”
One tariff was rated “excellent.”
five tariffs received a “very good” rating.
Three tariffs were rated “good.”
* Neither the “sufficient” nor “weak” ratings were assigned to any tariff.
Can You Summarize the Key Findings of the budget Tariff Analysis?
Absolutely! Here’s a concise summary of the budget tariff assessment results:
| Category | Outstanding | Excellent | Very Good | Good | Sufficient | Weak |
|---|---|---|---|---|---|---|
| Budget (outpatient) | 2 | 5 | 3 | 0 | 0 | 0 |
| Budget (outpatient, stationary, dental) | 1 | 1 | 5 | 3 | 0 | 0 |
This table clearly outlines the distribution of ratings across the two budget tariff categories.
