Question 1

How cheap is health insurance for civil servants in Germany?

Accepted Answer

Civil servants pay only €80-250/month for private health insurance! That's 50-70% cheaper than public insurance (€400+). Why so cheap? You only insure 50% of costs - Beihilfe (government subsidy) covers the other 50%. Civil servants are healthier risk group. Special civil servant discounts.

Question 2

What does Beihilfe mean and how does it work?

Accepted Answer

Beihilfe is government-provided health cost subsidy for civil servants. Standard: 50% of health costs covered, With 2+ children: 70% covered, In retirement: 70% covered. Your private insurance only covers the remaining 50% or 30%, which is why it's so cheap.

Question 3

Am I eligible as an international civil servant?

Accepted Answer

Yes! If you're employed as Beamter (civil servant) in Germany, you're eligible regardless of nationality. Requirements: Official Beamter status (not just Angestellter), Proof of Beihilfe eligibility, Valid German residence.

Question 4

Which insurers are cheapest for civil servants?

Accepted Answer

Top affordable providers: Deutscher Ring (from €80/month), HUK-Coburg (excellent value), Barmenia (best price-performance ratio). All offer Beihilfe-compliant tariffs.

Question 5

Do I save money compared to public insurance?

Accepted Answer

Massively! Example 30-year-old civil servant: Private (Beihilfe-compliant): €150/month, Public insurance: €400/month, Annual savings: €3,000! Plus better service and coverage.

Question 6

Can I switch from public to private insurance?

Accepted Answer

Yes! As civil servant you can switch anytime (no income threshold like regular employees). We guide you through the entire process!

Cheap Civil Servant Health Insurance

Civil Servant Insurance Comparison

Why So Cheap?

From €80/Month

50% Beihilfe Subsidy

Save 50-70% vs Public

Premium Benefits

Civil Servant Discounts

Lifetime Savings

Frequently Asked Questions

Häufig gestellte Fragen

Get Cheap Civil Servant Insurance!

Cheap Civil Servant Health Insurance

Civil Servant Insurance Comparison

Why So Cheap?

From €80/Month

50% Beihilfe Subsidy

Save 50-70% vs Public

Premium Benefits

Civil Servant Discounts

Lifetime Savings

Frequently Asked Questions

Häufig gestellte Fragen

How cheap is health insurance for civil servants in Germany?Cost

What does Beihilfe mean and how does it work?Beihilfe

Am I eligible as an international civil servant?Eligibility

Which insurers are cheapest for civil servants?Providers

Do I save money compared to public insurance?Savings

Can I switch from public to private insurance?Switching

Get Cheap Civil Servant Insurance!