Health Insurance for Civil Servants
The health insurance system for civil servants is highly individual.
Benefit rates, regulations, and allowances vary depending on your profession, federal state, employer (Dienstherr), and personal circumstances.
Officials who work in government ministries, tax authorities, or other public administration roles.
Examples: administrative officers, tax inspectors, court clerks, judges, and government advisors.
Administration and Judiciary
Education
Public Security and Law Enforcement
Many teachers and professors at public schools and universities hold civil servant status (Beamtenstatus).
Examples: school teachers, headmasters, university professors, and education inspectors.
Civil servants also serve in roles that ensure safety, order, and public service delivery.
Examples: police officers, firefighters, customs officials, and correctional officers.
Typical professions with civil servant status:
Civil servants in Germany can generally choose between statutory (public) and private health insurance.
Unlike employees or self-employed individuals, civil servants receive a partial reimbursement of medical expenses from their employer (Dienstherr). They only need to insure the remaining portion of their healthcare costs.
Because only private health insurance (PKV) offers this type of partial coverage (Restkostenversicherung), most civil servants opt for a private plan. It is usually the more cost-effective and needs-based solution.
If a civil servant chooses statutory health insurance (GKV) instead, they forfeit the reimbursement entitlement from their employer and must pay the full contribution themselves — unless their federal state provides what is known as a “pauschale Beihilfe” (flat-rate allowance).
Unsure which option is right for you? Let’s find the best solution together.
Important Note on Legal Regulations
The regulations governing civil servant health benefits (“Beihilfe”) in Germany are highly specific and vary significantly between the federal government and the individual federal states. A detailed explanation of each rule and allowance would go far beyond the scope of this overview.
The above summary is therefore intended to provide a general understanding of the Beihilfe system only.
For detailed and up-to-date information, please refer to the official Beihilfe regulation (Beihilfeverordnung) applicable to your federal or state authority. Below you will find links to the official Beihilfe regulations:
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