EXCLUSIVE PKV designed for Beamte • Perfect Beihilfe complement • Save up to 50% on premiums • Premium service guaranteed
Civil Servants
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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.
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Optimal balance
Lower premiums
Best value
Special tariffs 50-70% cheaper than standard PKV
Spouse and children also eligible for Beihilfe
Private patient status with all benefits
Coverage continues into retirement
New civil servants switch without examination
Optional upgrades for dental, alternative medicine
Full coverage during trips and vacations
PKV premiums are tax-deductible
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!
You should switch immediately after appointment. You have 6 months to switch without health examination. After this period, health questions may be required.
Your PKV continues with the same benefits. Your Beihilfe increases to 70%, so your PKV premiums actually decrease - making it very attractive.
Yes, your spouse and children are eligible for Beihilfe. They need their own PKV policies to complement the Beihilfe coverage.
If you leave permanently, you lose Beihilfe. You can switch to full PKV (more expensive) or potentially return to public insurance.
No waiting periods for accidents. For illness, 3-8 months depending on condition. Maternity benefits typically have 9-month waiting period.
Yes, choose enhanced tariffs for better benefits: higher daily hospital allowances, private rooms, alternative treatments, comprehensive dental.
Special tariffs designed for Beamte - Save up to 50% compared to standard PKV
Perfectly designed to complement
Up to 70% lower premiums
Specialized for civil servants