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For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insuranceBeihilfe
Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directoryDecision
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PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeBeihilfe 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 → plan with stable premiums for civil servants with a single room, private doctor and dental benefits up to 100 percent, backed by plan terms and conditions that have been uniform since 1972 and by reliable claims handling.
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Note for civil servants: Beihilfe is a matter for each federal state. The exact plan combination can therefore differ from state to state. Our sample combination and the modules shown refer to Hesse. Which modules and which percentage level fit your state and your Beihilfesatz, we clarify in our advice.
The A series is the Beihilfe plan of Alte Oldenburger for civil servants and is in our selection above all because of its reliability. Alte Oldenburger is considered one of the providers with the most stable premiums on the market, its plan terms and conditions have been uniform since 1972, and in our experience claims handling is fast and uncomplicated. We rate both values, premium stability and claims handling, at 9 out of 10 points. As a civil servant you only pay part of your medical costs yourself, because the Beihilfe of your public employer covers the rest, usually half. The plan insures exactly this remaining share. The outpatient plan A45 covers outpatient benefits, the hospital modules K/S, K330 and K50/B secure a single room, standard and private doctor treatment, Z45 covers dental care, and the Beihilfe supplementary plan BET Plus is added. The percentage level is chosen to match your Beihilfesatz. We rate benefit coverage at 6 out of 10 points, a solid value but not top level in every area, and we say so openly.
Alte Oldenburger is one of the providers with the most stable premiums on the market, and we rate premium stability at 9 out of 10 points. The uniform plan terms and conditions have existed since 1972 and are continued across all generations, which is an important factor for long-term predictability.
From our experience in advisory practice, Alte Oldenburger handles claims quickly and without complications, and we rate claims handling at 9 out of 10 points. For outpatient and inpatient care it also reimburses above the maximum rates of the fee schedule, through the Beihilfe supplementary plan including the missing Beihilfe share.
In addition to cover for medical costs, the combination includes a health cure plan with a daily allowance of €150 per day for inpatient and outpatient health cures. The Beihilfe supplementary plan BET Plus also pays up to €30 per day for health cures and sanatorium stays.
Five key figures from our plan analysis, each on a scale from 1 to 10. They are based on the plan terms, the premium histories and our experience from advisory practice.
How much the cover really pays in a serious case.
How reliably premiums have developed in the past.
How quickly and fairly bills are reimbursed.
Terms for children and co-insured family members.
10 means a comparatively low premium. Low values stand for a higher premium.
The core benefits from the plan terms, grouped by area. Open an area to see the details.
Outpatient care decides your free choice of doctor in everyday life and how much of private doctors' fees is reimbursed after Beihilfe . Here the outpatient plan A45 provides the benefit, and the Beihilfe supplementary plan BET Plus closes individual gaps.
Free choice of doctor, no primary doctor principle
Also above the maximum rates of the GOÄ, in the outpatient plan without the missing Beihilfe share, through the Beihilfe supplementary plan including the missing share
Up to €160 per preventive checkup, above that at one third of the percentage level, medically necessary early detection
Reimbursed, plus nutritional and fortifying products for life-sustaining measures
Reimbursed, including birth preparation, pregnancy exercise and postnatal recovery exercise
Open catalog at 100 percent, through the Beihilfe supplementary plan up to €500 per year for medical aids not eligible for Beihilfe
According to the GebüH up to its maximum amounts, for recognized methods and naturopathic treatment
100 percent without a limit on the number of sessions, prior approval required, five trial sessions without approval
Up to €160 per year for visual aids, above that at one third of the percentage level, laser surgery reimbursed
In hospital several modules work together. K330 provides basic cover with the standard doctor, K/S raises it to a single room, K50/B to a two-bed room and private doctor treatment.
Single room through K/S as the difference to a two-bed room, two-bed room through K50/B as the difference to a multi-bed room
Standard and affiliated doctor services through K330, private doctor treatment through K50/B
Also above the maximum rates, through the Beihilfe supplementary plan including the missing Beihilfe share
€16 per day if you do without separate accommodation, €32 if you do without private doctor treatment
Reimbursement, for general hospital services limited to the single rate of regular hospital rates
100 percent without prior approval
Costs reimbursed through K330, through the Beihilfe supplementary plan €30 per day up to age 14
Dentures are one of the most common reasons for a claim and one of the areas where Beihilfe often pays less. Here the dental plan Z45 pays up to 100 percent of the percentage level. What you need to know are the dental benefit limits and the treatment and cost plan.
100 percent, including root canal treatment, periodontal treatment, prophylaxis and professional teeth cleaning
100 percent, including crowns, bridges, veneers and onlays, note the dental benefit limits
100 percent, note the dental benefit limits
100 percent, including bone grafting, note the dental benefit limits
100 percent, note the dental benefit limits
Up to the maximum rates, through the Beihilfe supplementary plan material and laboratory costs
Dentures, inlays and orthodontics up to €1,000 in the 1st calendar year, 1,500 up to the 2nd and €2,000 up to the 3rd calendar year, no limit from year 4, no waiver through a findings report
The special feature of a plan for civil servants is the interplay of Beihilfe and a Restkostentarif. The plan insures only the share that Beihilfe does not pay, and the percentage level is chosen to match your Beihilfesatz. There is no deductible.
Covers outpatient benefits at the percentage level that matches Beihilfe
Basic cover with the standard doctor, single room and private doctor treatment
Covers dental care at the percentage level
Closes individual remaining costs and the missing Beihilfe share, reimbursement is made together with the main plan
No deductible
If you submit no bills, you get money back from the outpatient plan. The refund is performance-based, and the plan has no guaranteed lump sum.
2 monthly premiums after one, 3 after two, 4 after three claim-free years in the outpatient plan A45
6 monthly premiums up to age 20
No claims in all medical cost plans, pro rata if the policy starts during the year
Medical and dental preventive checkups do not put the refund at risk
The hospital and dental modules pay no no-claims refund, and no guaranteed lump sum is included
The points beyond the core benefits often decide about everyday life, especially when your life situation changes.
Children can be insured alone from age 6, with proof of the children's checkup reports and a dental findings report
100 percent of the percentage level for fertility treatment
Outside Europe up to 3 months, repatriation is not reimbursed
Health cure plan with €150 per day, through the Beihilfe supplementary plan also up to €30 per day for health cures and sanatorium stays, new entitlement after 3 calendar years
No option for higher-level cover included
Krankentagegeld KrankentagegeldPrivate sick pay: a daily allowance from private insurance while you are unable to work. It replaces lost income from an agreed day of illness.More about Krankentagegeld → is not part of this combination and is usually not needed for civil servants, because their salary continues during illness. Since the plan has no option right, the benefit level should fit from the start.
All benefit details come from the insurer's plan terms and are summarized in simplified form. Only the insurance conditions are binding. In a consultation we check the details for your situation.
No plan is the right choice for everyone. This is what speaks for this combination, and this is what you should know.
Very high premium stability (9 out of 10 points), one of the providers with the most stable premiums on the market, with plan terms and conditions uniform since 1972.
Fast and uncomplicated claims handling (9 out of 10 points) from our experience in advisory practice.
Single room, private doctor treatment and reimbursement above the maximum rates of the fee schedule, through the Beihilfe supplementary plan including the missing Beihilfe share.
Dental benefits up to 100 percent of the percentage level, implants including bone grafting.
Own health cure plan with a daily allowance of €150 and a no-claims refund of 2 to 4 monthly premiums, up to 6 monthly premiums for civil servant trainees.
We rate benefit coverage at 6 out of 10 points. Preventive care is limited to €160 per checkup, above that only one third is reimbursed, and private clinic services are capped at the single rate of regular rates.
Repatriation from abroad is not included in the main plan, and cover outside Europe is limited to 3 months without a special agreement.
The dental benefit limits cap dentures and orthodontics in the first three years at 1,000 to €2,000, and a waiver through a findings report is not possible. A treatment and cost plan is required for dentures and orthodontics, otherwise 20 percent less is reimbursed.
The combination includes neither an option right for higher-level cover nor a simplified right to change plan. The statutory right to change plan under § 204 VVG still applies.
We rate family friendliness at 5 out of 10 points. Children can only be insured alone from age 6.
The plan suits civil servants for whom long-term premium stability and reliable, fast claims handling matter more than the absolute maximum benefit in every single area, and who want solid cover with a single room and private doctor.
It is less suitable if a very high benefit level for preventive care, cover abroad or private clinics is the priority, or if an option right for higher cover later is important. For these cases we show you better alternatives in our advice.
A45 is the outpatient plan, the modules K330, K/S and K50/B provide hospital cover with the standard doctor, single room and private doctor treatment, and Z45 covers dental care. The Beihilfe supplementary plan BET Plus closes individual remaining costs and the missing Beihilfe share. Only together do the modules give the full scope of benefits, matched to your Beihilfe entitlement.
Yes. A 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 → that matches Beihilfe covers exactly the share that Beihilfe does not pay. The percentage level is chosen to match your Beihilfesatz, so with 50 percent Beihilfe it covers the other half. If Beihilfe rises with children or in retirement, we adjust the plan.
Very important, because you usually keep your cover for medical costs for decades. A provider that calculates stably over long periods saves you unpleasant jumps in your premium. Alte Oldenburger is one of the strongest providers here, which we rate at 9 out of 10 points. Our advice on premium stability gives you a sound assessment.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. Alte Oldenburger is one of the providers with the most stable premiums in our selection. If an increase is still large, we check plan optimization with you and put the development into context in our plan analysis.
The five key figures come from our ongoing plan analysis. They are based on the plan terms, the published premium histories and our experience with claims handling from advisory practice. The rating is our professional assessment, not a ranking by a testing institute.
From our vetted selection, rated on the same key figures.
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View plan →Get all your questions answered, free of charge and without obligation.
Personal advice from our specialists. Response time: under 24 hours.
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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