Health Insurance
for Civil Servants
Special Beamte Tariffs
Geprüft PKV designed for Beamte • Perfect Beihilfe complement • Save up to 50% on premiums • Premium service guaranteed
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Compare Geprüft PKV Tariffs for Civil Servants
Find the perfect complement to your Beihilfe coverage
Compare special PKV tariffs designed exclusively for German civil servants. Our calculator considers your Beihilfe percentage to find the optimal coverage.
Your Beihilfe Coverage:
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Understanding the Beihilfe System
How Beihilfe + PKV Works
Beihilfe (State Allowance)
- • Covers 50-80% of medical costs
- • Percentage based on family status
- • Provided by your employer (state)
- • No monthly premiums
- • Family members included
PKV (Private Insurance)
- • Covers remaining 20-50%
- • Special civil servant tariffs
- • Much lower premiums
- • Premium benefits
- • Worldwide coverage
Single Civil Servant
Optimal balance
With 2+ Children
Lower premiums
Pensioner
Best value
Geprüft Advantages for Civil Servants
Health Insurance Civil Servants: Reduced Premiums 2025
Special tariffs 50-70% cheaper than standard PKV
Family Coverage
Spouse and children also eligible for Beihilfe
Premium Treatment
Private patient status with all benefits
Lifetime Coverage
Coverage continues into retirement
No Health Check
New civil servants switch without examination
Enhanced Benefits
Optional upgrades for dental, alternative medicine
Worldwide Coverage
Full coverage during trips and vacations
Tax Benefits
PKV premiums are tax-deductible
Geprüft Cost Examples for Civil Servants
Teacher, 30 years
Police Officer, 35
Judge, 45 years
Geprüft Tip:
As a new civil servant, you have 6 months to switch to PKV without health examination. Don't miss this window - it can save you thousands in the long run!
Frequently Asked Questions
When should I switch to PKV as a new civil servant?
You should switch immediately after appointment. You have 6 months to switch without health examination. After this period, health questions may be required.
What happens to my PKV when I retire?
Your PKV continues with the same benefits. Your Beihilfe increases to 70%, so your PKV premiums actually decrease - making it very attractive.
Can my family members also get PKV?
Yes, your spouse and children are eligible for Beihilfe. They need their own PKV policies to complement the Beihilfe coverage.
What if I leave the civil service?
If you leave permanently, you lose Beihilfe. You can switch to full PKV (more expensive) or potentially return to public insurance.
Are there waiting periods for benefits?
No waiting periods for accidents. For illness, 3-8 months depending on condition. Maternity benefits typically have 9-month waiting period.
Can I enhance my coverage beyond basic Beihilfe complement?
Yes, choose enhanced tariffs for better benefits: higher daily hospital allowances, private rooms, alternative treatments, comprehensive dental.
Get Your Geprüft PKV Quote Now!
Special tariffs designed for Beamte - Save up to 50% compared to standard PKV
Beihilfe Compatible
Perfectly designed to complement
Reduced Rates
Up to 70% lower premiums
Expert Advice
Specialized for civil servants