PKV for Civil Servants 2026
Best Beihilfe Tariffs
Find the optimal coverage for your situation. Compare Beihilfe supplement tariffs and save.
Compare Civil Servant PKV
Find the best Beihilfe tariff for your needs
Top Tariffs for Civil Servants 2026
Debeka Beihilfe A1
from 280 EUR/month*
- Excellent premium stability
- Comprehensive benefits
- Highest market share among civil servants
Signal Iduna Civil Servant
from 295 EUR/month*
- Excellent dental coverage
- Flexible deductible
- Good customer service
Continentale BC
from 270 EUR/month*
- Affordable trainee tariffs
- Strong age reserves
- Good alternative medicine benefits
Allianz Beihilfe
from 310 EUR/month*
- Premium benefits
- Worldwide coverage
- Digital services
* Sample premiums for 30-year-old civil servant with 50% Beihilfe. Individual prices may vary.
Why PKV for Civil Servants?
Cheaper Than GKV
Due to Beihilfe, civil servants only pay 20-50% of costs themselves. GKV would often be 2-3x more expensive.
Better Benefits
Chief physician, private room, faster appointments - PKV offers premium care.
Simple Claims
Submit invoice, Beihilfe and PKV reimburse. Many insurers offer app solutions.
Beihilfe Rates Overview
| Status | Beihilfe | PKV Share |
|---|---|---|
| Active civil servants (no children) | 50% | 50% |
| Active civil servants (with 2+ children) | 70% | 30% |
| Pensioners | 70% | 30% |
| Spouses (without own income) | 70% | 30% |
| Children | 80% | 20% |
* Beihilfe rates vary by federal state. Figures shown for federal civil servants.
Frequently Asked Questions
Why is PKV so affordable for civil servants?
Civil servants receive Beihilfe (allowance) from their employer (usually 50-80%). They only need to privately insure the remaining amount. Since civil servants are considered a low-risk group (secure jobs, stable income), tariffs are particularly affordable.
What is the Beihilfe rate?
The Beihilfe rate varies: Active civil servants usually receive 50%, with children often 70%, and pensioners 70%. Children are eligible for 80% Beihilfe. Private insurance (PKV) covers the rest.
What benefits should a civil servant tariff have?
Important: single room, chief physician treatment, dental coverage beyond Beihilfe, alternative medicine, vision aids, and stable premium development through age reserves.
Can civil servant trainees already get PKV?
Yes, trainee tariffs are particularly affordable (often under 100 EUR/month). Early entry is worthwhile since no new health check is needed when becoming a permanent civil servant.
What happens with disability?
With disability, the Beihilfe rate often drops to 70%. The PKV premium stays the same, but overall burden decreases. Look for tariffs with disability clauses.