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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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BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticePremium plan for civil servants that matches 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 →, with a single room, private doctor and dental benefits up to 100 percent, supplemented by the Beihilfe supplementary plan that closes the missing Beihilfe share and the remaining costs.
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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.
Gesund für Sie is the Beihilfe plan of Barmenia for civil servants and is in our selection because Barmenia has been one of the most experienced providers in the premium segment for the public sector for many years, and we rate its claims handling from advisory practice 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 GK4530 covers outpatient benefits and dental care, and the two top-up plans G1B and G2B100 raise hospital cover to a single room and private doctor treatment. The Beihilfe supplementary plan GEP closes the typical gaps, meaning the missing Beihilfe share and remaining costs that Beihilfe does not pay. The percentage level of the plan is chosen to match your Beihilfesatz, so no gap in cover remains. We rate benefit coverage and family friendliness at 9 out of 10 points each, and the premium at 8 out of 10 points as comparatively low for this benefit level.
Barmenia has been established in the premium segment for the public sector for many years and is strong in claims practice. The plan also reimburses above the maximum rates of the fee schedule for outpatient and hospital care, and at the dentist as well, and the Beihilfe supplementary plan GEP also covers the missing Beihilfe share.
The catalog of medical aids is open, hearing aids are covered up to €2,000 per ear, and digital health applications are reimbursed also beyond the statutory directory. Alternative practitioner treatment according to the GebüH or the Hufeland directory is paid, through the Beihilfe supplementary plan up to €2,000 per calendar year.
Children can be insured alone from birth if there is no entitlement to family insurance in a statutory health insurance fund, a companion in hospital is covered up to age 16, and there is up to 3 months of premium exemption while receiving parental allowance. An option right secures higher-level cover on life events such as the first appointment as a civil servant on probation, for a fixed term or for life.
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 GK4530 provides the benefit, and the Beihilfe supplementary plan GEP 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 GEP including the missing share
Reimbursed, including medicine-like nutritional products for serious illnesses
Up to 110 percent of the maximum amounts of the federal allowance regulation for civil servants, including occupational therapy, speech therapy and nutritional therapy
Open catalog, hearing aids up to €2,000 per ear, digital health applications also beyond the statutory directory
According to the GebüH or the Hufeland directory, also beyond the maximum amounts, through the Beihilfe supplementary plan up to €2,000 per calendar year
100 percent without a limit on the number of sessions and without prior approval
Up to €400 for glasses and contact lenses per 2 calendar years, surgical vision correction up to €2,000 per eye after 2 years of insurance
Outpatient early detection as well as vaccinations advised by a doctor, recommended by the German Standing Committee on Vaccination or needed for travel, including malaria prophylaxis
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 G1B as the difference to a two-bed room, two-bed room through G2B100 as the difference to a multi-bed room
Private doctor treatment through G2B100, including the own share provided for in the Beihilfe rules
Through G2B100 also above the maximum rates of the GOÄ including the missing Beihilfe share
€15 per day if you do without the two-bed room, €15 if you do without private doctor treatment, the same for children
Treatment in private clinics is reimbursed
100 percent without prior approval
Covered for children up to age 16
Trips to and from the 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. What you need to know are the dental benefit limits in the first years.
100 percent, including professional teeth cleaning, root canal and periodontal treatment
100 percent, including crowns, bridges, veneers and onlays, note the dental benefit limits
100 percent
100 percent, including bone grafting, note the dental benefit limits
100 percent, note the dental benefit limits
Also above the maximum rates, through the Beihilfe supplementary plan including the missing Beihilfe share
Dentures and orthodontics together up to €5,000 in the 1st and 2nd calendar year, no limit from year 3, no limit after an accident
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.
1.0 monthly premium after one, 1.5 after two, 2.0 after three claim-free years
Receive the same refund
No claims in all medical cost plans, pro rata if the policy starts during the year
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
Not included
The points beyond the core benefits often decide about everyday life, especially when your life situation changes.
Premium exemption while receiving parental allowance for up to 3 months, provided cover has existed for at least 8 months
Children can be insured alone from birth if there is no entitlement to family insurance in a statutory health insurance fund
100 percent for organic infertility, if married or in a marriage-like partnership, with a sufficient chance of success
Outside Europe up to one month, unlimited if the private Pflegepflichtversicherung PflegepflichtversicherungCompulsory long-term care insurance. Everyone with health insurance in Germany must have it, privately insured people through their private insurer. is continued, repatriation and transfer of remains up to €10,000
Follow-up rehabilitation and rehab, inpatient and outpatient health cures up to 110 percent of the maximum amounts of the federal allowance regulation for civil servants, plus €100 per day after a hospital stay
Higher-level cover on appointment as a civil servant on probation, for a fixed term or for life, on posting abroad and at the end of the 3rd, 5th or 7th year of insurance
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. If the Beihilfe entitlement ends later, for example when moving to the private sector, 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.
High benefit coverage (9 out of 10 points) with a single room, private doctor treatment and reimbursement above the maximum rates of the fee schedule, at the dentist up to 100 percent.
Fast and reliable claims handling (9 out of 10 points), outpatient and inpatient psychotherapy at 100 percent without prior approval.
Comparatively low premium for this benefit level (8 out of 10 points) with high family friendliness at the same time (9 out of 10).
The Beihilfe supplementary plan GEP also covers the missing Beihilfe share, for outpatient, inpatient and dental care.
Children can be insured alone from birth, and a broad option right on appointment as a civil servant, on posting abroad and in the first years of insurance.
The dental benefit limits cap dentures and orthodontics in the first two calendar years at €5,000 together. A waiver through a findings report is not possible, so if you plan larger dental work soon, you should factor this in.
Cover outside Europe is limited to one month without a special agreement. An extension is possible through the continued Pflegepflichtversicherung or an additional agreement.
There is no simplified right to switch to higher-level plans, and no option for the top-up plans. The statutory right to change plan under § 204 VVG still applies.
At 1.0 to 2.0 monthly premiums, the no-claims refund is more moderate than with some competitors in our selection.
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 high benefit level with a single room and private doctor and value reliable claims handling. Because children can be insured alone from birth and the option right is broad, it is also one of the stronger options in our selection for families and for starting a career as a civil servant.
It is less suitable if only the premium decides or if large dental work is due soon, which the dental benefit limits cap in the first years. For these cases we show you better alternatives from our comparison in our advice.
GK4530 is the outpatient plan and covers outpatient benefits including dental care. G1B raises hospital cover to a single room, G2B100 to a two-bed room and private doctor treatment. The Beihilfe supplementary plan GEP 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 so that you are not over-insured.
Usually not, because your salary continues during illness. Krankentagegeld only becomes important if the Beihilfe entitlement ends, for example when you move to self-employed or employed work. For this case the plan includes an option right for full cover and Krankentagegeld.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. You can find Barmenia'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 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 →ARAG BeihilfeBest for civil servants reviewed: benefits from the plan terms, our rating on five key figures and who the Beihilfe plan 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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