Getting started
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 noticeNew 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 → plan for civil servants with very strong benefits, a single room, private doctor, remedies up to 125 percent of the Beihilfe maximum rates and a high no-claims refund from the start of the contract.
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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 B series is the Beihilfe plan for civil servants that LKH, the Landeskrankenhilfe, newly introduced on July 1, 2026, and it is one of the strongest offers in our selection. We rate benefit coverage and family friendliness at 10 out of 10 points each, claims handling at 8 out of 10 points and the premium at 6 out of 10 points. Because the plan is new, there is no premium history yet for premium stability. We therefore mark this key figure with a dash in our rating and add it as soon as the first adjustment data is available. 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 B4530 covers outpatient benefits and dental care, BK100 raises hospital cover to a two-bed room and private doctor, BKT to a single room, and the Beihilfe supplementary plan BEP closes remaining costs and the missing Beihilfe share. The percentage level is chosen to match your Beihilfesatz.
The plan reaches the highest benefit level in our selection, and we rate benefit coverage at 10 out of 10 points. Remedies are reimbursed up to 125 percent of the maximum amounts of the federal allowance regulation for civil servants, hearing aids up to €2,500 per ear, telemedicine and digital health applications at 100 percent, and for outpatient and hospital care it pays above the maximum rates of the fee schedule.
The plan combines a guaranteed lump-sum payment for claim-free years with a performance-based no-claims refund of 2 to 4 monthly premiums. New policyholders already receive the full refund of 4 monthly premiums in the first year.
We rate family friendliness at 10 out of 10 points. There is a premium exemption of up to 6 months during parental allowance or parental leave, a premium-free Kindernachversicherung KindernachversicherungAdding a newborn to a parent's private policy without health questions. The application must reach the insurer within two months of birth.More about Kindernachversicherung → for the month of birth and the following six months, and the option to insure children alone from age 2.
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.
There is no reliable assessment for this point yet, for example because the plan is new and has no premium history.
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 B4530 provides the benefit, and the Beihilfe supplementary plan BEP closes the gap to the full fee.
Free choice of doctor, no primary doctor principle, telemedicine at 100 percent
Up to the maximum rates of the GOÄ, through the Beihilfe supplementary plan also above them, including the missing Beihilfe share
According to programs introduced by law and further checkups, up to €200 per year for prevention courses
Reimbursed, plus prescription contraceptives up to age 22
Up to 125 percent of the maximum amounts of the federal allowance regulation for civil servants, including osteopathy, occupational therapy, speech therapy and nutrition therapy
Open catalog, up to €1,000 at 100 percent, above that with approval, hearing aids up to €2,500 per ear, digital health applications at 100 percent
According to the GebüH or the Hufeland directory up to the maximum amounts there, including prescribed medicines, dressings, remedies and medical aids
100 percent without a limit on the number of sessions and without prior approval
Up to €600 for visual aids per 2 calendar years, surgical vision correction up to €1,500 per eye
In hospital two top-up plans work together. BK100 raises basic cover to a two-bed room and private doctor treatment, BKT to a single room.
Single room through BKT as the difference to a two-bed room, two-bed room through BK100 as the difference to a multi-bed room, including the own share required under Beihilfe
Private doctor treatment through BK100, including the own share provided for in the Beihilfe rules
Through BK100 also above the maximum rates, including the missing Beihilfe share
€40 per day if you do without a two-bed room, €40 if you do without private doctor treatment, €10 if you do without a single room
Reimbursement, for general hospital services up to 1.5 times regular rates, through the Beihilfe supplementary plan up to 2.5 times
100 percent without prior approval
Covered for children up to age 15
Dentures are one of the most common reasons for a claim and one of the areas where Beihilfe often cuts back. Here the outpatient plan pays up to 100 percent of the percentage level without its own limits, and the dental benefit limits only apply in the Beihilfe supplementary plan.
100 percent, including professional teeth cleaning twice a year, root canal and periodontal treatment
100 percent, including crowns, bridges, veneers and onlays
100 percent
100 percent, including bone grafting
100 percent up to age 21, no age limit after an accident
Up to the maximum rates, through the Beihilfe supplementary plan also above them, including the missing Beihilfe share
No limits in the outpatient plan, through the Beihilfe supplementary plan up to €1,250 in the 1st calendar year, €2,500 by the 2nd and €5,000 by the 3rd, no limit from year 4
Bleaching up to €300 as well as analgesic sedation, nitrous oxide sedation, hypnosis and acupuncture up to €300 per 3 calendar years through the Beihilfe supplementary plan
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
Single room as the difference to a two-bed room
Closes 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. The plan combines a guaranteed lump sum with a performance-based refund, which is rare at this level from the start of the contract.
€100 after one, 200 after two, €300 after three claim-free years, also possible as a premium deferral
2 monthly premiums after one, 3 after two, 4 after three claim-free years
4 monthly premiums refund already in the first year
Receive the same refund
Preventive care, vaccinations, prophylaxis and professional teeth cleaning do not put the refund at risk
The points beyond the core benefits often decide about everyday life, especially when your life situation changes. Here the plan shows its strength for families.
Premium exemption for up to 6 months while receiving parental allowance or during parental leave
Newborns free of premium in the month of birth and the following 6 months
Children can be insured alone from age 2 if the children's checkups are documented
Outside the EU and the EEA up to 12 months, can be extended by 5 years by special agreement, repatriation, rescue up to €5,000 and transfer of remains up to €10,000
Inpatient and outpatient health cures and follow-up rehabilitation up to 1.5 times the statutory health insurance rate, through the Beihilfe supplementary plan an additional €100 per day for outpatient health cures
Higher-level cover within the plan line, plus 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 → 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 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.
Highest benefit coverage in our selection (10 out of 10 points), remedies up to 125 percent of the Beihilfe maximum rates, hearing aids up to €2,500 per ear, reimbursement above the maximum rates of the fee schedule.
Highest family friendliness in our selection (10 out of 10 points) with 6 months of premium exemption during parental leave, premium-free Kindernachversicherung and insuring children alone from age 2.
Guaranteed lump-sum payment and a performance-based no-claims refund of up to 4 monthly premiums, in full for new policyholders already in the first year.
Single room, private doctor treatment, telemedicine and digital health applications at 100 percent, plus worldwide cover abroad of up to 12 months with an extension option.
Reliable claims handling (8 out of 10 points) and an option right for higher-level cover within the plan line.
The plan was newly introduced on July 1, 2026. There is therefore no premium history yet for premium stability, and we will only give a reliable assessment once the first adjustment data is available.
We rate the premium at 6 out of 10 points. It is appropriate for the very high benefit level, but it is not the cheapest Beihilfe plan in our selection.
The dental benefit limits apply through the Beihilfe supplementary plan and limit dentures in the first three calendar years to €1,250 to €5,000. If you plan larger dentures in the near future, you should factor this in.
There is no simplified right to change plan, but there is an option right for higher-level cover within the plan line. The statutory right to change plan under § 204 VVG still applies.
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 the highest benefit level, value strong family benefits and a high no-claims refund, and accept a somewhat higher premium for it. Especially for families and for starting a career as a civil servant, it is one of the strongest options in our selection.
It is less suitable if the lowest possible premium is the priority or if you expect an established, long premium history when choosing. Since the plan is new, this history is not available yet. For both cases we show you suitable alternatives in our advice.
The plan was newly introduced on July 1, 2026. For a reliable assessment of premium stability we need a premium history, meaning data on how the premium develops over several years. For a new plan this is not available yet. We will add the rating as soon as the first adjustment data is available. We have already assessed the other four key figures.
B4530 is the outpatient plan and covers outpatient benefits including dental care. BK100 raises hospital cover to a two-bed room and private doctor treatment, BKT to a single room. The Beihilfe supplementary plan BEP 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.
Premium adjustments are part of how private health insurance works. What matters is their long-term size. We document LKH's adjustments by year and plan in our overview of premium adjustments. If an increase is large, we check plan optimization with you.
The 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 →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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