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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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Start the anonymous check →Lower your premium
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 for civil servants with strong value for money, strong preventive care, a single room and private doctor and no dental benefit limits, supplemented by the Beihilfe supplementary plan for remaining costs and the missing Beihilfe share.
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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.
BeihilfeBest is the Beihilfe plan of ARAG for civil servants and is in our selection because it currently offers some of the best value for money in the civil servant segment and has stable premiums at the same time. 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 BHB45H covers outpatient benefits and dental care, BH1 raises hospital cover to a single room, BHK100 to a two-bed room and private doctor treatment. The Beihilfe supplementary plan BHEB45H closes remaining costs and the missing Beihilfe share. The percentage level is chosen to match your Beihilfesatz, so no gap remains. We rate the premium at 9 out of 10 points as low and premium stability at 8 out of 10 points. For claims handling and family friendliness we give 5 out of 10 points each, middle values that we name openly. ARAG is known for checking bills closely, and in return the premium is low.
The plan currently offers some of the best balance of premium and benefits in the civil servant segment and has stable premiums. A single room, private doctor treatment and dental benefits up to 100 percent come with a low premium, which we rate at 9 out of 10 points.
Preventive checkups are reimbursed also for programs not introduced by law, without age limits, diagnosis restrictions or checkup intervals, plus prenatal care and up to €200 per year for prevention courses. Preventive care, vaccinations and professional teeth cleaning do not put the no-claims refund at risk.
Unlike many Beihilfe plans, there are no dental benefit limits that cap reimbursement for dentures in the first years. Dental treatment, dentures, inlays, implants with bone grafting and orthodontics are reimbursed from the start up to 100 percent of the percentage level.
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 BHB45H provides the benefit, and the Beihilfe supplementary plan BHEB45H closes the gap to the full fee.
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
Also for non-statutory programs without age limits and intervals, prenatal care, up to €200 per year for prevention courses
Reimbursed, plus prescription contraceptives up to age 22
100 percent of the percentage level, including birth preparation, postnatal recovery and rehabilitation sport eligible for Beihilfe
Open catalog, from €1,000 with prior approval, otherwise 80 percent, digital health applications with a prescription
According to the GebüH up to its maximum amounts, including prescribed medicines, dressings and remedies
100 percent without a limit on the number of sessions and without prior approval
Up to €600 for visual aids per 24 months, surgical vision correction up to €4,000 per 60 months, up to €600 in the first 24 months
Not limited to statutory programs, also as prophylaxis for travel abroad
In hospital the two top-up plans show their effect. Without them basic cover would stay at a multi-bed room, with them the optional hospital services are covered.
Single room through BH1 as the difference to a two-bed room, two-bed room through BHK100 as the difference to a multi-bed room
Private doctor treatment through BHK100
Through BHK100 also above the maximum rates, through the Beihilfe supplementary plan including the missing Beihilfe share
€20 per day if you do without the single room, €30 if you do without the two-bed room, €50 if you do without private doctor treatment
Treatment in private clinics is reimbursed
100 percent without prior approval
Covered for children up to age 12
Trips to and from the hospital up to 100 kilometers, at least to the nearest suitable hospital
Dentures are one of the most common reasons for a claim and one of the areas where Beihilfe often pays less. Here the outpatient plan pays up to 100 percent of the percentage level, and the Beihilfe supplementary plan covers the remaining costs. This plan has no dental benefit limits.
100 percent, including professional teeth cleaning, root canal and periodontal treatment
100 percent, including crowns, bridges, veneers and onlays
100 percent
100 percent, including bone grafting
100 percent
Also above the maximum rates, through the Beihilfe supplementary plan including the missing Beihilfe share
None, reimbursement is not capped by a staggered limit from the start
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 and dental care at the percentage level that matches Beihilfe
Single room as the difference to a two-bed room
Two-bed room and private doctor treatment in hospital
Closes remaining costs and the missing Beihilfe share, reimbursement is also made without a Beihilfe payment, but only together with the main plan
No deductible
If you submit no bills, you get money back. The refund is performance-based, and the plan has no guaranteed lump sum.
2 monthly premiums after a claim-free year in the outpatient plan and in the Beihilfe supplementary plan
Receive the same refund
No claims in the entire plan, pro rata if the policy starts during the year
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
BH1 and BHK100 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 the age of 36 months if the children's checkups are documented
100 percent after prior approval for organic infertility, women from 25 and under 40, men from 25 and under 50 years
Outside Europe up to 3 months, repatriation for a longer or difficult stay, companion for children up to 18 years, transfer of remains up to €10,000
Follow-up rehabilitation as well as health cures and sanatorium stays up to €300 per day for up to 28 days after two years of insurance
Higher-level Beihilfe cover at the start of the 6th year of insurance, full cover and 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 → if the Beihilfe entitlement ends
Krankentagegeld is not part of this combination and is usually not needed for civil servants, because their salary continues during illness. If the Beihilfe entitlement ends later, an option right for full cover and Krankentagegeld applies.
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.
Low premium (9 out of 10 points) with high premium stability at the same time (8 out of 10), currently some of the best value for money in the civil servant segment.
Strong preventive care also for non-statutory programs, without age limits and checkup intervals, regardless of the no-claims refund.
No dental benefit limits, dental benefits up to 100 percent of the percentage level from the start, implants including bone grafting.
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.
Outpatient and inpatient psychotherapy at 100 percent without prior approval.
We rate claims handling at 5 out of 10 points. ARAG checks bills closely, which contributes to the low premium but can mean follow-up questions when you claim.
We rate family friendliness at 5 out of 10 points. Children can only be insured alone from the age of 36 months, and a companion in hospital is covered up to age 12.
Cover outside Europe is limited to 3 months without a special agreement.
There is no simplified right to switch to higher-level plans. The statutory right to change plan under § 204 VVG still applies, and an option right for higher-level Beihilfe cover exists at the start of the 6th year of insurance.
A strong plan only pays off if your application is accepted cleanly. If you have pre-existing conditions, we recommend an anonymous risk enquiry before you apply.
The plan suits civil servants who want a solid benefit level with a single room and private doctor at a low, stable premium and who value strong preventive care and dental benefits without staggered limits.
It is less suitable if particularly accommodating claims handling is the priority or if you need maximum family benefits such as insuring a child alone at an early age. For these cases we show you better alternatives from our comparison in our advice.
BHB45H is the outpatient plan and covers outpatient benefits including dental care. BH1 raises hospital cover to a single room, BHK100 to a two-bed room and private doctor treatment. The Beihilfe supplementary plan BHEB45H closes 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.
ARAG checks submitted bills carefully, which helps keep the premium low. In practice this can mean follow-up questions for larger bills. We support you when you claim and make sure when choosing that the plan fits your needs.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find ARAG's specific adjustments by year and plan in our overview of premium adjustments. If an increase is large, we check plan optimization with you.
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.
The Barmenia Beihilfe plan Gesund für Sie for civil servants reviewed: benefits from the plan terms, our rating on five key figures and who it suits.
View plan →The Alte Oldenburger A series for civil servants reviewed: benefits from the plan terms, our rating on five key figures and who the Beihilfe plan suits.
View plan →The new Beihilfe plan of the LKH B series for civil servants: benefits from the plan terms, our assessment and who the strong Restkostentarif suits.
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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