Police, soldiers and firefighters often get free Heilfürsorge instead of Beihilfe — until retirement flips them to 70% Beihilfe. The Anwartschaft move that matters.
Beihilfe rates, deductibles and benefits differ between the Bund and the 16 Länder. The key differences and how they shape your conform PKV tariff.
DBV and BBKK specialise in Beihilfe-conform PKV for civil servants. How the two public-sector insurers compare on tariffs, service and regional fit.
How Beihilfe and special candidate tariffs work for trainee civil servants (Anwärter, Referendare), and what to check when starting out.
How PKV works for German civil servants (Beamte) with Beihilfe. Learn what Beihilfe covers, how to choose a top-up PKV tariff, and how expat civil servants navigate the system.