For naturalised Germans & EU/EEA citizens in Beamten posts

Beihilfe Insurance for Expat Civil Servants

You're a Beamter in Germany and English is your working language? Compare Beihilfe-compliant private health insurance (PKV) in English — free, takes 2 minutes.

§46

BBhV rules

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2026

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Quick reality check before you read on

Beihilfe is a benefit for German civil servants (Beamte) and their dependants. Most expats in Germany are not Beamte. Section 7 of the Bundesbeamtengesetz (BBG) requires German citizenship for most posts; EU, EEA and Swiss citizens can fill some roles, naturalised Germans qualify normally.

Working at a university, Max-Planck or Fraunhofer on a TVöD or TV-L contract? You are an Angestellter, not a Beamter. Beihilfe does not apply — check our expat health insurance guide instead.

How Beihilfe actually works

Beihilfe is a state subsidy that covers part of your medical costs. The rest you pay through a private health insurance top-up called Restkostenversicherung. Together they replace public health insurance (GKV) for most Beamte.

Your situation	Beihilfe share	Restkosten share
Single Beamter	50%	50%
Beamter + eligible spouse	70%	30%
Pensioner (Versorgungsempfänger)	70%	30%
Per eligible child	80%	20%

Source: §46 BBhV (federal level). Bundesländer run their own Beihilfeverordnung; check your state's BVA page for differences.

What this looks like in practice

Imagine a hospital bill of €4,000. Your Dienstherr reimburses 50% through Beihilfe (€2,000). Your private top-up insurer pays the other €2,000. You pay nothing out of pocket — assuming the tariff covers what you used.

The catch: every Allgemeine Versicherungsbedingung (AVB) is different. Hospital class, dental cover, alternative medicine and waiting periods vary widely between insurers.

Which expats actually qualify?

Likely yes

Naturalised Germans appointed as Beamte
EU/EEA/Swiss citizens in eligible posts (§7 Abs. 1 Nr. 2 BBG)
Foreign-born spouses of a Beamter (Beihilfe spouse rule)
Children of a Beamter living in Germany
Some federal civil servants under specific exceptions

Usually no

Non-EU expats without German citizenship
Researchers on TVöD/TV-L contracts (Angestellte)
Most Max-Planck and Fraunhofer staff
International school teachers on private contracts
Self-employed expats

If you are not sure, your appointment letter (Ernennungsurkunde) is the document that confirms your status. No Ernennungsurkunde — no Beamten status, no Beihilfe.

English-language service: what to expect

Most German PKV insurers are still German-first. A handful run a real English service:

Ottonova — app, customer service and policy documents fully in English; offers a Beihilfe-Tarif.
Debeka, AXA, Allianz, DKV — classic Beihilfe specialists; English support quality varies. Ask for an English advisor before signing.
HUK-Coburg, Hanse Merkur, R+V — Beihilfe-tariffs available; expect mostly German correspondence.

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Civil servant office desk in Germany — Beihilfe insurance compare

Costs in 2026: what the public sources say

We don't publish "average" numbers we cannot back up. Here is what independent sources currently report for Beihilfe-Restkostenversicherung in 2026:

Verbraucherzentrale publishes ranges around €150–450/month depending on age, Bundesland and chosen tariff.
Finanztip highlights how the spread widens for older entrants and tariffs with full dental cover.
The Bundesgesundheitsministerium explains the public/private split if you want the official version.

Your real number depends on age at entry, hospital class, dental cover, dependants and Bundesland. Scroll back up to the widget to see live tariffs — that is more useful than any average.

Need money for the move or a deposit?

Many new Beamte juggle Kaution, moving costs and the first PKV premium at once. Compare expat-friendly loans:

Compare loans for foreigners in Germany

What to compare in a Beihilfe-Tarif

Language of service

Restkosten coverage

Cover abroad

Other comparisons foreigners in Germany use

Frequently asked questions

Frequently Asked Questions

Usually no. Section 7 of the German Federal Civil Servant Law (Bundesbeamtengesetz, BBG) requires German citizenship. EU, EEA and Swiss citizens can fill some Beamten posts under §7 Abs. 1 Nr. 2 BBG, but most non-EU foreigners cannot. Naturalised Germans qualify like anyone else. If you work at a university or research institute on a TVöD or TV-L contract, you are an Angestellter (employee), not a Beamter, and Beihilfe does not apply to you.

Under §46 of the Federal Beihilfe Regulation (BBhV), Beihilfe covers 50% of medical costs for a single Beamter, 70% if you have a Beihilfe-eligible spouse, 70% for pensioners (Versorgungsempfänger), and 80% per eligible child. Federal Länder run their own rules and the percentages can differ. Your remaining share is covered by a private health insurance top-up called Restkostenversicherung. Source: gesetze-im-internet.de/bbhv.

Ottonova runs its app and customer service entirely in English and offers a Beihilfe-Tarif (Tarif BD/BR). Larger insurers like Debeka, DKV, AXA and Allianz offer Beihilfe-tariffs but their English service ranges from limited to good — confirm before signing. Use our comparison below to see current options. We earn a commission if you sign up — that does not change the offers shown.

Premiums depend on your age, the Bundesland, and the chosen tariff. Public bodies like Verbraucherzentrale and Finanztip publish ranges between roughly €150 and €450 per month for Beihilfe-Restkostenversicherung in 2026. Your actual quote can be lower or higher. The widget below pulls live offers — that is the only way to see your real price.

Once you are a Beamter on PKV and over 55, going back to GKV is almost impossible. The Verbraucherzentrale recommends thinking long-term: dependants, expected pension, planned moves abroad. If you are unsure, talk to an independent advisor before signing.

Within the EU, EEA and Switzerland, Beihilfe usually reimburses costs as if you had been treated in Germany. Outside that area, reimbursement is capped at the German cost level (BBhV §13). Always check the rules for your Bundesland with the Bundesverwaltungsamt (BVA) before travelling for treatment.

Direct Beihilfe payments are tax-exempt under §3 Nr. 11 EStG. The Restkostenversicherung premium itself is partially deductible as Sonderausgabe (§10 EStG). Your tax advisor or a checked source like Finanztip can break this down for your exact situation.

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