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Use Beihilfe as your foundation
Through Beihilfe , your public employer pays a fixed share of your medical costs, usually 50%. You only have to insure the remaining share privately, through a Restkostentarif .
Private health insurance for civil servants
For civil servants, private health insurance combined with Beihilfe BeihilfeThe state healthcare allowance for civil servants. The Beihilfestelle pays a fixed share of medical costs, the Beihilfesatz, and private insurance covers the rest.More about Beihilfe → is usually the cheapest and best solution. We show how Beihilfe and the Restkostentarif RestkostentarifA private plan that covers the share of medical costs that Beihilfe does not pay. Together with Beihilfe it gives civil servants full cover.More about Restkostentarif → work together.
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Important tips for civil servants
A switch to private health insurance needs careful thought. The most important points before you decide.
Comparison: statutory or private insurance for civil servants?
A neutral comparison of the two insurance systems for civil servants.
| Criterion | Statutory | Private |
|---|---|---|
| Premium | Full income-based premium, Beihilfe is not used here. | Only the remaining share after Beihilfe is insured, which makes it much cheaper. |
| Family | Spouses who do not work and children are co-insured free of charge. | Children and eligible dependents often receive their own Beihilfe and low-cost plans. |
| Benefits | Care defined by law at a sufficient, appropriate and economical level. | Individually designed contract, matched to what your public employer pays. |
| Access | Often longer waiting times for appointments and usually through the referral system. | Preferred appointments and direct access to medical specialists. |
Real cases from our advice
Real situations that show how individual the right solution is.
Appointed as a civil servant at 30
Fully covered through a matching Restkostentarif for around €250 per month.
Family with two children
Beihilfe rose to 70%, the Restkostentarif was adjusted and the premium fell accordingly.
Trainee civil servant
Joined a low-cost trainee plan during training and secured a low age at entry.
How much does private health insurance cost for civil servants?
Private health insurance costs civil servants much less than other groups, because only the remaining share after Beihilfe is insured. With 50% Beihilfe, a good Restkostentarif often costs between €200 and €350 per month. If Beihilfe rises to 70% with children, the premium falls further. Trainees pay particularly little.
What monthly premiums should you expect in statutory and in private health insurance?
In statutory health insurance, civil servants pay the full income-based premium, without a contribution from their employer, up to around €1,250 per month. In private health insurance, Beihilfe usually covers 50% of the costs. Only the rest is insured, and a good plan then often costs between €200 and €350 per month.
How do premiums develop in the long term?
In the long term, you should expect rising premiums. From 2006 to 2026, premiums in private health insurance rose by an average of 3.4% per year according to the Association of Private Health Insurers, in statutory health insurance by 3.9%. Because civil servants only insure the remaining share, the absolute increase is lower. We still pay particular attention to premium stability.
How do costs stay manageable in old age?
As a retired civil servant you continue to receive Beihilfe , often even at 70%. This keeps the premium for the remaining costs low in retirement. Ageing reserves also cushion the premiums, and the statutory premium surcharge of 10% ends from age 60.
How can I reduce premiums?
Make sure that the Restkostentarif matches your current Beihilfesatz exactly, otherwise you pay too much. An internal plan change under § 204 VVG often lets you save, without changing insurer and without losing your ageing reserves.
Example calculationCivil servant · 30 years · 50% Beihilfe
| Parameter | Current status (statutory, without contribution) | Target status (private with Beihilfe ) | Difference |
|---|---|---|---|
| Insured share of costs | 100% | 50% (remaining costs) | half the burden |
| Monthly premium | around €1,000 | €250 | −€750 |
| Own share, gross | around €1,000 | €250 | −€750 |
| Total annual costs | around €12,000 | €3,000 | −€9,000 |
Sample calculation based on average plans. In statutory insurance, civil servants receive no contribution and pay the full premium. That is why private health insurance with Beihilfe is usually clearly cheaper.
The best plans for civil servants
Restkostentarif plans that fit Beihilfe for civil servants, rated on five key figures. The exact combination can differ from state to state, our example refers to Hesse.
Barmenia Gesund für Sie
Gesund für Sie (GK4530, G1B, G2B100, GEP)
- 9 Benefits
- 8 Stability
- 9 Claims
- 9 Family
- 8 Premium
Alte Oldenburger A series
A-Reihe (A45, K/S, K330, K50/B, Z45, BET Plus)
- 6 Benefits
- 9 Stability
- 9 Claims
- 5 Family
- 7 Premium
LKH B series
B-Reihe (B4530, BK100, BKT, BEP)
- 10 Benefits
- – Stability
- 8 Claims
- 10 Family
- 6 Premium
ARAG BeihilfeBest
BeihilfeBest (BHB45H, BH1, BHK100, BHEB45H)
- 7 Benefits
- 8 Stability
- 5 Claims
- 5 Family
- 9 Premium
DBV Vision-B
Vision-B (VisB 5035-U, BW2 00-U, BN VisB-U)
- 5 Benefits
- 7 Stability
- 6 Claims
- 5 Family
- 8 Premium
Our rating for each plan on a scale from 1 to 10. We deliberately show no monthly premiums, because the premium depends on age, health and scope of benefits.
Which benefits matter for civil servants?
Popular benefit modules you can choose in your private health insurance.
Dental treatment and dentures
Beihilfe often makes cuts for dentures. Your Restkostentarif should offer high reimbursement rates here.
Chief physician treatment and single room
Often a cost driver: how important are these benefits to you? This is a personal decision.
Preventive checkups
Private health insurance should reimburse the important preventive checkups without restrictions.
Supplementary cover
Closes the gaps between Beihilfe and the Restkostentarif , for example for optional hospital services or dentures.
Glasses and contact lenses
Beihilfe pays for glasses and contact lenses only within narrow limits. Your plan should cover this gap.
Medical aids
Private health insurance should pay for medically necessary aids such as hearing aids, bandages or orthopedic insoles.
Accommodation and optional services
Single or two-bed room and optional medical services, depending on the comfort you want in hospital.
Save up to 25% on your private health insurance
We compare the entire market and find the plan with the best balance of benefits and stable premiums.
The essentials of private health insurance in 10 minutes
We show you what you should know before switching to private health insurance.
- Explained step by step
- Each lesson also as a short video (in German)
- Short and to the point
1. Who is private health insurance right for?
When private health insurance makes sense2. What are the requirements for joining?
Requirements for private health insurance3. What should you know about the health questions?
Health questions explained4. How high are the costs in old age?
Private health insurance in old age5. What are the key differences between statutory and private?
Statutory and private compared6. How does the switch to private health insurance work?
Switching to private health insurance7. What to do about a premium adjustment?
Premium adjustments in private health insurance8. Which benefits matter most?
Benefits of private health insurance 1 / 8
Swipe, drag or use the arrows Frequently asked questions
Why is private health insurance usually cheaper for civil servants?
Because your public employer pays a fixed share of your medical costs through Beihilfe , usually 50%. You only have to insure the remaining share privately. This makes the premium much lower than a full premium in statutory insurance.
What is a matching Restkostentarif?
It is a plan that covers exactly the share that Beihilfe does not pay. With 50% Beihilfe, it insures the other 50%. This leaves no gap, and you do not have to pay anything yourself.
Should I use pauschale Beihilfe?
Pauschale Beihilfe supports statutory insurance and is offered in some federal states. The step usually cannot be reversed. For most civil servants, private health insurance with classic Beihilfe is cheaper. We check this carefully in advance.
Useful articles for civil servants
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Switching to private health insurance is probably not advisable for you.
From the age of 55, admission to private health insurance is often possible only with restrictions. A late switch can also mean higher premiums.
It matters to us that a switch pays off for you in the long run. That is why we do not recommend a consultation when your answers already show that the conditions are rather unfavorable.
Not sure, or want to correct your answers? Feel free to contact us. We will help you assess your situation.
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