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Private health insurance for civil servants: costs, exchange options and important factors

The decision for private health insurance (PKV) is the right choice for civil servants. But which expenses are created specifically for teachers? What do civil servants have to consider when changing private health insurance? And what role do they play Spouse and parental leave? In this article, we answer all important questions about Health insurance for civil servants — statutory or private?

Private or public health insurance for civil servants?

Officials have the choice between Statutory health insurance (GKV) and the private health insurance (PKV). Since officials allowance received from their employer, they only have to protect in private health insurance that is not covered by the subsidy — 50% to 70%, depending on the federal state. In statutory health insurance, the contribution is based on your income and is therefore generally more expensive, especially in retirement.

Teachers and private health insurance: costs and benefits

How much does private health insurance cost for teachers?

Die Costs of private health insurance for teachers depend on several factors:

• Age at entry into private health insurance
• Claim for aid (varies depending on the federal state)
• Selected rates and additional services
• Health status at the start of the contract

Private health insurance for civil servants: costs in old age

As a rule, private health insurance is the cheaper alternative to statutory health insurance because the pension for civil servants is usually high and the contribution to statutory health insurance is based on this income even in old age.

Private health insurance and exchange options

When can an official change private health insurance?

It is possible to change private health insurance, but professional advice should be provided.

Private health insurance and family planning

What applies to spouses?

Unlike in the GKV, there is private health insurance no free family insurance. A Spouses with no income of their own can either remain insured through the GKV or take out private insurance. Depending on Eligibility for aid However, private health insurance may still be cheaper for the spouse.

Private health insurance and parental leave

In the parental leave If the aid claim is retained, but the PKV contributions must continue to be paid. Anyone who has a powerful tariff with premium reimbursement can use it financially to reduce parental leave costs.

Find the right health insurance for civil servants

Die private health insurance for teachers and civil servants offers numerous benefits, but the tariffs should be checked individually.

Take advantage of our advice to find the right health insurance for your situation!
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Our range of services for
Workers and officials include:

• Disability insurance:
  We offer comprehensive disability insurance specifically for civil servants. It covers you if you are no longer able to perform your duties due to health reasons. In this way, you protect yourself from financial losses and maintain your financial stability even in the event of incapacity.
• Disability insurance:
  Worker protection is essential for employees. Our disability insurance protects you from the financial consequences if you are no longer able to work due to illness or accident. You receive a monthly pension that helps you and your family maintain living standards.
• Supplementary health insurance:
  Supplement your public health insurance with supplementary health insurance that gives you access to high-quality medical care. Whether it's a head doctor's treatment, dentures or other services — we'll make sure that you're well covered.
• Full health insurance:
  It is possible to switch to full private health insurance under certain conditions. If this option exists for you, we will check together whether it is plausible to switch from statutory health insurance to private health insurance.
• Accident insurance:
  Accidents can happen not only at work, but also during leisure time. With our accident insurance, you are fully protected and receive financial support if an accident affects your work capacity.
• Legal protection for workers and civil servants:
  In everyday working life, there may be conflicts with employers or civil servants. Our legal protection provides you with protection so that you can protect your interests in legal disputes.
• Retirement planning:
  With well-thought-out retirement planning, you ensure that you are financially secure even after your working life. We offer private and company pension solutions so that you can enjoy your retirement carefree.

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Why us

We understand how important it is to protect yourself against unforeseeable biometric risks. Our modern insurance offers you the protection you need to maintain your financial security — today and in the future.

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Get in touch

Let's develop a strategy together that is just as dynamic as your life. Our team is by your side across the gates of Flensburg and ensures your safety — so that you can fully focus on the winner's podium.