Calculation using your offers
Compare two insurance premiums on the same annual basis
Enter the amounts shown in your documents. The tool annualises them and calculates arithmetic differences only: it does not search for prices or recommend a policy.
Local calculation: amounts stay in this browser and are neither stored nor transmitted.
Calculated differences
Enter both premiums to display the differences.
A premium difference does not measure the quality or extent of cover. This result is not an offer, a promise of gain or a recommendation.
Prepare a comparison next
Optional selection; it does not change the calculation.
Transparent method
A monthly premium is multiplied by twelve; an annual premium is left unchanged.
The annual difference is the annualised current premium minus the new premium. Entered one-off fees are then subtracted for the first-year difference.
Recovery time divides one-off fees by a positive monthly difference. It is not shown when fees are zero, premiums are equal, or the new premium is higher.
Check before deciding
- Benefits, limits, deductibles, cost sharing and exclusions.
- Contract term, renewal, notice periods and cancellation conditions.
- The same person, period, scope of cover and options.
- General terms and written confirmation from the insurer.