Health Insurance
for Civil Servants
Special Beamte Tariffs
PKV tariffs designed for Beamte • The right complement to your Beihilfe • Premiums up to 50% lower than standard PKV • Compare providers independently
PKV Tailored to the Beamte System
Beihilfe for single civil servants
Potential premium savings vs. standard PKV
Window for new civil servants to switch without health exam
Compare PKV Tariffs for Civil Servants
Find the right complement to your Beihilfe coverage
Compare PKV tariffs designed for German civil servants. The calculator takes your Beihilfe percentage into account to help you find appropriate 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 the remaining 20–50%
- • Civil servant complement tariffs
- • Often lower premiums than standard PKV
- • Comprehensive benefits
- • Worldwide coverage
Single Civil Servant
Balanced coverage
With 2+ Children
Reduced PKV share
Pensioner
Higher Beihilfe in retirement
Advantages of PKV for Civil Servants
Reduced Premiums
Civil servant complement tariffs are often significantly cheaper than standard PKV, because Beihilfe already covers a large share.
Family Coverage
Spouse and children are also eligible for Beihilfe. They need their own PKV policy to complement the allowance.
Private Patient Status
PKV gives you access to senior physicians and treatment as a private patient in both inpatient and outpatient settings.
Lifetime Coverage
Your coverage continues into retirement. Your Beihilfe share typically rises to 70%, reducing the PKV premium you need.
No Health Exam on Appointment
New civil servants can switch to PKV within 6 months of appointment without undergoing a health examination.
Optional Add-ons
Dental, alternative medicine, private hospital rooms, and other enhancements can be added depending on your needs.
Worldwide Coverage
Many PKV tariffs include coverage during travel and vacations abroad. Check individual policy terms for limits.
Tax Deductibility
PKV premiums may be deductible as special expenses (Vorsorgeaufwendungen). Consult a tax adviser for your situation.
Indicative Cost Examples for Civil Servants
Premiums vary by insurer, age, health status, and chosen tariff. The figures below are illustrative ranges only — use the comparison tool above for personalised quotes.
Teacher, age 30
Police Officer, age 35
Judge, age 45
Important note for new civil servants
You generally have 6 months after appointment to switch to PKV without a health examination. Missing this window may mean health questions are required later. If you are unsure about timing, seek independent advice before making a decision.
Frequently Asked Questions
When should I switch to PKV as a new civil servant?
It is worth considering a switch soon after appointment. You generally have 6 months to switch without a health examination. After that window, insurers may ask health questions, which could affect acceptance or premiums.
What happens to my PKV when I retire?
Your PKV continues with the same benefits. Your Beihilfe share typically rises to 70% in retirement, which means the portion covered by PKV — and therefore your premium — often decreases.
Can my family members also get PKV?
Yes. Your spouse and children are generally eligible for Beihilfe. Each family member will need their own PKV policy to cover the portion not met by Beihilfe.
What if I leave the civil service?
If you leave permanently, your entitlement to Beihilfe ends. You would then need to switch to full PKV coverage or, under certain conditions, return to statutory health insurance (GKV). The rules differ depending on your situation — seek specialist advice.
Are there waiting periods for benefits?
Typically no waiting periods apply for accidents. For illness, waiting periods of 3–8 months are common depending on the condition and insurer. Maternity benefits usually have a waiting period of around 8–9 months.
Can I enhance my coverage beyond the Beihilfe complement?
Yes. Many insurers offer optional upgrades such as private hospital rooms, alternative medicine, enhanced dental coverage, and higher daily hospital allowances. These can be added to most base tariffs.
Compare PKV Tariffs for Civil Servants
Find the right complement to your Beihilfe — premiums can be up to 50% lower than standard PKV
Beihilfe Compatible
Designed to complement your allowance precisely
Potentially Lower Rates
Civil servant tariffs are often more affordable than standard PKV
Independent Comparison
Compare providers side by side at no cost