Private health insurance for civil servants


For civil servants and candidates there is no compulsory insurance in the statutory health insurance. They receive an allowance from the employer for their medical expenses and, regardless of their income, can obtain a private health insurance tariff that is tailored to this aid.

Officials and officials candidates in the PKV

Officials and officials candidates in the PKV

Civil servants and probationers are particularly likely to have private health insurance. Since they are not compulsorily insured in the statutory health insurance and their employer subsidizes their health care by 50 to 80 per cent, most decide against a freiwilligen public health insurance and for the PKV. Here you can get significantly more comprehensive insurance benefits – and even at prices that are below the maximum contribution in the statutory health insurance. For civil servants, many private insurers offer special starter rates, which are particularly favorable.


PKV officials’ tariffs are tailored […] to the specific security needs of civil servants and cover the percentage of medical expenses not covered by the aid. However, the nature and extent of supplementary private insurance are generally left to the individual official.

Focus Money 46/2012

Private health insurance also for spouse and child

In private health insurance, civil servants can insure not only themselves, but also their spouse and their children, enabling them to provide high-quality health care. The partner and all children entitled to child benefit also have the right to aiding and abetting. In order to receive these, the family members must be exempted from compulsory insurance in the statutory health insurance. It should be noted, however, that the spouse does not exceed a fixed income limit, otherwise he or she will lose the right to a subsidy.

For children, the right to benefit can be claimed until the age of 25, as long as they receive child benefit. If both parents have eligibility, the child will be insured in the private health insurance of the parent who receives the child benefit. After the claim ends after the age of 25, children must have their own health insurance.

Even civil servants who voluntarily opt for statutory health insurance can enjoy the benefits of private patients. With a private supplementary insurance, it is possible to obtain supplementary benefits in addition to the statutory basic care.

PKV contribution: costs for civil servants

Private health insurance benefits civil servants because, as PKV clients, they only have to pay for the services they actually need. In statutory health insurance, the maximum contribution for them is due and this must be carried by officials in the GKV completely alone. Private health insurers, on the other hand, provide health insurance that complies with the scheme and whose contribution is determined independently of the income of the official. The amount of the PKV insurance contribution depends on individual factors such as age and health status. Of course, the cost of private health insurance also depends on the desired additional benefits. From cheap PKV basic protection to high-quality comfort protection offers the PKV everything for civil servants.



The billing procedure for civil servants and candidates who are privately insured is a bit more expensive than with legally insured persons. Medical bills usually have to be paid first by the policyholder. For a refund then both the aid and the PKV need your documents.

Can civil servants deduct private health insurance contributions?

<strong>Can civil servants deduct private health insurance contributions?</strong>

The basic contributions to the health and long-term care insurance can attach civil servants as special expenditures with their tax. Since January 2010, the health insurance contributions are tax deductible. However, the tax office recognizes only those contributions that PKV customers pay for their basic coverage. Costs incurred by individually desired additional services such as chief physician treatment and single room during a hospital stay can not be deducted from the tax.

PKV for civil servants in the test

Rating agencies, institutes and consumer magazines keep testing the current offers of private health insurances. Not only the price, but above all the associated service and insurance services of the providers are compared and tested with regard to their customer-friendliness. Also on the PKV tariffs for civil servants tests have already appeared, including Stiftung Warentest. Officials looking for the best private supplementary insurance should read the latest private health insurance test results to get a quick overview of the top offers. Read more about the PKV tests here.

PKV test winner for civil servants and civil servants

In a PKV test by Stiftung Warentest, which was published in 2014 (Finanztest issue 05/2014), the tariffs of private health insurers were designed, which were designed specifically for civil servants and civil servant candidates. For test winner for civil servants appointed the experts of Stiftung Warentest two tariffs, which have cut off with the overall rating “very good”:

Eight more private health insurance offers for civil servants received the rating “good” and are therefore also recommended. These include tariffs from Debeka, Pax-Familienfürsorge, Alte Oldenburger, Deutscher Ring and LVM. In the test, however, a tariff of Gothaer fell through as “poor”. This shows how important a comparison of tariffs is before contracting. Here you can find more about the current PKV test winners.

Use tariff calculator for the personal test winner

<strong>Use tariff calculator for the personal test winner</strong>

Most private health insurance tests have one shortcoming: they determine the best rates based on model customers. Whether the much-praised PKV offers come into question for you or whether there may be another tariff that better suits your personal requirements and wishes, you can easily and conveniently with our rate calculator for private health insurance. Then, when you discover one or more matching rates, you can then use a free and non-binding consultation session with an insurance expert to compare with you the pros and cons of the supplementary healthinsurance offers .


Officials in the statutory health insurance

If you have more than one child, voluntary health insurance may be cheaper than private health insurance, as there is free family reinsurance here. However, it must be noted that the employer does not have any employer’s share because he already provides the aid for you. In addition, the insurance in statutory health insurance for civil servants is only possible under certain circumstances. You must have a pre-insurance period of at least twenty-four months in the last five years, or twelve months immediately before leaving the compulsory insurance. In addition, the voluntary insurance must be reported to the health insurance within three months. In plain terms, this means for civil servants that they stay in private health insurance once they have decided to do so. In general, the official tariffs of private health insurance are anyway cheaper and more efficient than the statutory health insurance.