Enhanced Transparency in Health Insurance: ASCORE’s Latest Scoring Release

The ASCORE Navigator analysis software now offers users updated scoring data encompassing 30 health insurers. This update, reflecting the 2025 ASCORE analysis product scoring, re-evaluated and admitted 493 tariffs across private health and supplementary health insurance sectors. These tariffs are assessed on a scale of 1 to 6, ranging from “weak” to “very good,” providing consumers with a clear understanding of tariff quality.

This comprehensive evaluation aims to empower consumers by providing them with the necessary information to make informed decisions about their health insurance coverage. With rising healthcare costs, understanding the value and quality of different insurance options is more critical than ever. For exmaple, recent data indicates that healthcare costs have risen by an average of 7% annually over the past five years, making informed insurance choices essential for managing personal finances.

Scope of the ASCORE Tariff Evaluation

The evaluation process covered a wide array of supplementary insurance options, ensuring a holistic view of the market. key areas examined include:

• Outpatient supplementary insurance
• Outpatient requirements
• Inpatient supplementary insurance
• Inpatient supplementary insurance – consequences of accidents
• Dental supplementary insurance
• Care allowance
• Care Bahr
• Daily sickness benefit
• Travel insurance for trips abroad

Spotlight on Budget Tariffs: A Key Change in the 2025 Scoring

A meaningful addition to this year’s scoring is the inclusion of budget tariffs within the private health insurance sector. This expansion reflects the growing importance of affordable healthcare options and provides consumers with insights into the value proposition of these tariffs.

In-Depth Evaluation of Budget Tariffs

Following the initial assessment of budget tariffs in occupational health insurance in 2022, ASCORE has extended this analysis to private health insurance. Currently, the assessment includes budget tariffs from three companies, with expectations of further market growth in this segment.

The evaluation employs distinct criteria catalogs tailored to the scope of services covered. The “Budget (outpatient)” catalog focuses solely on outpatient services, incorporating 58 criteria, with 27 directly influencing the evaluation. In contrast,the “Budget (outpatient,stationary,dental)” catalog encompasses a broader range of services,including outpatient,inpatient (excluding optional services),and dental care. This comprehensive catalog comprises 90 criteria, with 44 relevant to the evaluation.

Budget Tariff Performance: Key Findings

The evaluation revealed promising results for budget tariffs,indicating a strong value proposition for consumers seeking affordable healthcare options.

Outpatient Budget Tariffs

In the “Budget (outpatient)” category, two tariffs achieved the top rating of “outstanding,” while five received “excellent,” and three were rated “very good.” Notably, no tariff received a rating below “very good,” highlighting the overall quality of outpatient budget options.

Comprehensive Budget Tariffs (Outpatient, Stationary, Dental)

In the “Budget (outpatient, stationary, dental)” category, one tariff each was rated “outstanding” and “excellent,” five tariffs received a “very good” rating, and three were rated “good.” Similar to the outpatient category, no tariffs were rated “sufficient” or “weak,” demonstrating a consistent level of quality across comprehensive budget options.

Expert Opinion

The inclusion of budget tariffs in the ASCORE Navigator provides a much-needed level of transparency for consumers navigating the complex world of health insurance. This allows individuals to make informed decisions based on their specific needs and budget constraints.

Dr. Anya Sharma, Health Insurance Analyst