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For employeesPrivate or statutoryRequirements for employeesJahresarbeitsentgeltgrenze (JAEG)Career startersCosts
Costs for employeesEmployer contributionBeitragsbemessungsgrenze (BBG)Statutory maximum contributionOld age for employeesWorking part timeGetting started
For the self-employedPrivate or statutory when self-employedRequirements for the self-employedBest plans for the self-employedSwitching to private health insuranceIs private health insurance worth itCosts and protection
Costs for the self-employedDeductibleKrankentagegeldPremium relief planOld age for the self-employedWhich plan fits your self-employment?
Start the free analysis →Getting started
For civil servantsPrivate or statutoryRequirementsPublic sectorSwitching to private health insuranceBeihilfe
Beihilfe explainedRestkostentarifFreie HeilfürsorgeDienstherr (employer of civil servants)Beihilfe plans in the directoryDecision
Family and private health insuranceAdvice for familiesChildren in private health insuranceSpousesEmployer contributionWhat does private health insurance cost for your family?
Start the family check →Health questions
Health questionsDuty of disclosureRelease from confidentialityDuty to report later changesBreach of obligationsPre-existing conditions
With a pre-existing conditionChronic conditionsRisk surchargeBenefit exclusionPsychotherapyApplication and acceptance
Anonymous risk enquiryApplicationAcceptance of the applicationApplication rejectedObligation to accept and BasistarifUnsure because of a pre-existing condition?
Start the anonymous check →Lower your premium
PolicyholdersPlan optimizationPlan change under § 204Right to change planDeducting premiums from taxPremium increase
Premium increasesPremium stabilityPremiums in old ageAgeing reservesSpecial right of cancellationBenefits and contract
BenefitsClaimCancelling your policyBack to statutory insuranceTerminated without noticeLow-priced entry 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 →, from the civil servant specialist of the AXA group, with a two-bed room and private doctor and an option right to stronger plans without new health questions.
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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.
Vision-B is the Beihilfe plan of DBV for civil servants and is in our selection as a low-priced entry with room to expand. DBV, Deutsche Beamtenversicherung, is the civil servant specialist in the AXA group and focuses its offer exclusively on the public sector. 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 VisB covers outpatient benefits and dental care, the top-up plan BW2 raises hospital cover to a two-bed room and private doctor treatment, and the Beihilfe supplementary plan BN VisB closes remaining costs. The percentage level is chosen to match your Beihilfesatz. We rate the premium at 8 out of 10 points as low and benefit coverage at 5 out of 10 points as solid basic cover, and we classify it openly as such. The decisive advantage is the option right: you can later switch to stronger plans without new health questions, which makes the plan particularly interesting for young civil servants at the start of their career.
The plan offers a low-priced entry into Beihilfe insurance and an option right for higher-level cover. The option can be used, among other occasions, on the first appointment as a civil servant on probation or for a fixed term, on marriage, on the birth or adoption of a child and at the start of the sixth year of insurance, in each case without new health questions.
DBV focuses its business exclusively on the public sector and knows the specifics of Beihilfe and changes of status accordingly well. If the Beihilfe entitlement ends, for example when moving to the private sector, there is an option for 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 →.
In addition to the performance-based no-claims refund of €1,000 after a claim-free year, the plan pays an annual behavior bonus, €25 for a healthy body mass index and €50 for documented fitness activity.
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 VisB provides the benefit, and the Beihilfe supplementary plan BN VisB closes remaining costs.
Free choice of doctor, no primary doctor principle
Up to the maximum rates of the GOÄ, in medically justified individual cases also above them after approval
According to programs introduced by law without age limits, through the Beihilfe supplementary plan up to €200 per year for two prevention courses
Up to €1,000 of bills per year at 80 percent, above that at 100 percent, for children and young people at 100 percent
Up to the maximum amounts of the federal allowance regulation for civil servants, not included in the Beihilfe supplementary plan
Open catalog, 100 percent if obtained through the insurer or after an accident, otherwise 80 percent, hearing aids up to €1,300 per ear in 3 calendar years
According to the GebüH up to its maximum amounts, for recognized and promising methods
100 percent for 30 sessions per insured event, 80 percent from the 31st, 70 percent from the 61st session, without prior approval
Up to €300 for visual aids per 3 years, surgical vision correction up to €1,000 per eye with a new entitlement after 10 years
In hospital the top-up plan BW2 raises basic cover to a two-bed room and private doctor treatment. A single room is not included in this combination, but it can be added through the option right.
Two-bed room through BW2 as the difference to a multi-bed room, no single room in this combination
Standard and affiliated doctor services in the basic plan, private doctor treatment through BW2
Affiliated doctor up to the maximum rates, through BW2 also above them including the missing Beihilfe share
€24 per day if you do without the two-bed room, €20 if you do without private doctor treatment
Reimbursement, for general hospital services limited to 1.5 times regular hospital rates
100 percent without prior approval
Through BW2 up to age 5 for up to 5 days, through the Beihilfe supplementary plan 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 outpatient plan pays up to 100 percent of the percentage level. What you need to know are the longer dental benefit limits.
100 percent, including professional teeth cleaning, root canal and periodontal treatment
100 percent, material and laboratory costs according to the insurer's directory, note the dental benefit limits
100 percent
100 percent, at most 4 implants per jaw, including bone grafting, note the dental benefit limits
100 percent, note the dental benefit limits
Up to the maximum rates, in individual cases also above them after approval
Dentures and orthodontics up to €1,000 in the first 24 months, up to €2,000 in the first 48 months, no limit from year 5, 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 and dental care at the percentage level that matches Beihilfe
Two-bed room and private doctor treatment in hospital
Closes remaining costs, reimbursement is made together with the main plan
Expansion to higher-level cover without new health questions, among other occasions on appointment as a civil servant, marriage, birth and in the 6th year of insurance
No deductible
If you submit no bills, you get money back from the outpatient plan, plus a behavior bonus. The plan has no guaranteed lump sum.
€1,000 after a claim-free year, €500 for young insured people up to age 20
€25 for a healthy body mass index and €50 for documented fitness per year
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
BW2 pays 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.
Young people can be insured alone from age 16
100 percent for organic infertility, women under 40, men under 50 years, married or in a marriage-like partnership
Outside the EU and the EEA up to 6 months if insured for at least 12 months, otherwise up to 6 weeks, repatriation and transfer of remains up to €10,000
Follow-up rehabilitation reimbursed, inpatient health cures through the Beihilfe supplementary plan up to €4,000, outpatient health cures up to €2,000
Higher-level cover without new health questions, among other occasions on appointment as a civil servant, marriage, birth and in the 6th year of insurance
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 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 starting premium (8 out of 10 points) for Beihilfe insurance, especially for young civil servants at the start of their career.
Broad option right for higher-level cover without new health questions, among other occasions on appointment as a civil servant, marriage, birth and in the 6th year of insurance.
Civil servant specialist in the AXA group with a clear focus on the public sector and an option for full cover if the Beihilfe entitlement ends.
Two-bed room, private doctor treatment and dental benefits up to 100 percent of the percentage level, implants including bone grafting.
No-claims refund of €1,000 after a claim-free year plus an annual behavior bonus.
We rate benefit coverage at 5 out of 10 points. Medicines are only reimbursed at 80 percent up to €1,000 per year, a single room is not included in this combination, and outpatient psychotherapy is staggered from the 31st session.
Visual aids are tightly limited at €300 per 3 years, and a separate inpatient health cure is only covered through the Beihilfe supplementary plan.
The dental benefit limits cap dentures and orthodontics over the first four years, so they run longer than in many other plans in our selection.
We rate family friendliness at 5 out of 10 points. Children and young people can only be insured alone from age 16.
A strong expansion is provided for through the option right, and the statutory right to change plan under § 204 VVG also applies. If you have pre-existing conditions, we recommend an anonymous risk enquiry before you apply.
The plan suits civil servants who want to enter Beihilfe insurance at a low premium and keep the possibility of expanding the cover later without new health questions. This makes particular sense at the start of a career.
It is less suitable if you want a single room and a consistently high benefit level from the start. If that is what you want, you will find stronger Beihilfe plans in our selection, which we show you in our advice.
The plan offers a low premium and solid basic cover with a two-bed room and private doctor. The key point is the option right: you can later switch to stronger plans without new health questions, for example on appointment as a civil servant, marriage or the birth of a child. This secures a low entry age early, and you keep the expansion open.
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.
DBV, Deutsche Beamtenversicherung, is the provider in the AXA group that specializes in the public sector. It focuses its offer exclusively on civil servants and public sector employees and knows the specifics of Beihilfe and changes of status accordingly well.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. We put the development into context in our plan analysis and check plan optimization if increases are large. We explain what matters for premium stability in our advice on it.
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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