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Private Health Insurance for Official Candidates | What is better? Private health insurance for civil servants & civil servants

With the honorary office on revocation you have the opportunity to switch to a private health insurance for civil servants. Of course, this raises many questions: What does a private health insurance for civil servants cost ? Is it also possible to stay in the statutory health insurance?

Which performance differences should be considered? How does it continue after the candidate time with private health insurance? Today I would like to inform you comprehensively on this topic and answer your questions.

1. How much does private health insurance cost for civil servants?

1. How much does private health insurance cost for civil servants?

Official candidates have the choice between a statutory health insurance and private health insurance. Which costs in a private health insurance for civil servant candidates in contrast to the statutory health insurance come to you, see the following example:

23-year-old civil servant candidate at the tax office (eg: future salary A10 in NRW):

Contribution to the statutory health insurance: 223.51 Euro per month
1255.68 euros monthly salary during the candidate period x 15.0% SHI contribution (including 1% additional contribution TK example) + 2.8% long-term care insurance = 223.51 euros

Contribution to private health insurance: from 56 euros per month
(without pre-existing illness, with twin room & chief physician – 50% subsidy)

The monthly Erspanis by switching to a private health insurance for civil servants in the example is around 167 €.

Calculate your health insurance contribution for civil servant candidate:

…… and learn by comparing the private health insurance for civil servant candidate with what costs you have to expect.

Why does the statutory health insurance fund demand such a high salary for civil servant candidates?

In contrast to training in the employment relationship, officials from the employer (employer) receive no subsidy to the statutory health insurance contribution. This means that you always pay the full contribution to the GKV completely out of your own pocket.

What advantage does private health insurance offer?

What advantage does private health insurance offer?

If you opt for a private health insurance for civil servant candidates, then the subsidies of your federal state or federal government contribute at least 50 percent to the medical expenses. Only the remaining 50 percent must be covered by a private health insurance.

This results in the mostly clear financial advantage of private health insurance for civil servant candidates.

2. What should be considered in the PKV for civil servant candidates?

2. What should be considered in the PKV for civil servant candidates?

Two criteria are important in terms of private health insurance for civil servant candidates:

 – your starting age
The starting age is only important if you, as a candidate, start your aspiration time after your 34th birthday, or if you reach that age during that time.

– Your health
Private insurance may demand additional contributions due to “pre-existing illnesses”. Please read: Which health claims are significant for civil servants when concluding a private health insurance scheme?

For this reason, when comparing private health insurance for civil servant candidates, it is important to consider possible risk premiums from the very beginning.

3. What services does the PKV offer for civil servant candidates?

3. What services does the PKV offer for civil servant candidates?

The private health insurance for civil servant candidates convince in addition to the lower costs by a plus in performance over the statutory health insurance.

For example, the following are insured in the PKV tariffs:

– Glasses & contact lenses
– high protection in the tooth area including tooth cleaning
– private medical billing rates
– alternative healing methods
– On request single or double room with chief physician in the hospital
– Foreign travel health insurance

However, there are, of course, huge differences in the contributions and benefits between the different providers. What to look for in the benefits of a private health insurance for civil servants candidate read here: checklist benefits private health insurance officials.

Tip: In certain areas, the benefit cuts benefits. Therefore, it is recommended to include the so-called auxiliary subsidy tariff in the private health insurance protection. This tariff module protects you from additional payments from the aid (for example, in the areas of glasses, dentures, aids, etc.).

You can also find all the information in our video on PKV for civil servants:

4. What happens to the PKV after the candidate time?

4. What happens to the PKV after the candidate time?

With the successful completion of the candidate period accounted for in the private health insurance for civil servant candidate the discounted candidate conditions. There is a change to the normal rate for civil servants.

Example of a 28-year-old civil servant at the tax office (eg: salary A10 Level 3 in NRW):

Contribution to the statutory health insurance: 485, 24 euros per month
2,764.88 euros monthly salary x 15.0 percent GKV contribution (including 1% additional contribution TK example) + 2.55 percent long-term care insurance = 485.24 euros

Contribution to private health insurance: from 228 euros per month
(without pre-existing illness, with twin room & chief physician – 50% subsidy)

Tip: Even before deciding on your private health insurance for official candidates, take a look beyond the box to the cost of the later full tariff for civil servants.

Note that there are some “Locktarife”. This means that although they offer you favorable conditions during the candidate period, they demand above-average contributions with the probationary service. Please read: Can I change my health insurance after my time as a civil servant?

Therefore, we immediately send you two comparisons:
A comparison of private health insurance for civil servant candidate and a contribution-performance comparison for the later full tariff for civil servants from today’s point of view.

If you initially receive a contract in the employment after the candidate period, you must return to a statutory health insurance (as far as you are insured). This is often the case with teachers. The private health insurance for trainees can therefore not be continued.

However, you have the opportunity to “freeze” your private health insurance via a so-called prospective insurance until renewed honorary office. With probation on probation, the private health insurance for civil servants can be reactivated immediately without a new health examination.

Conclusion:
Advantages of private health insurance official candidate

For civil servants, the change to a private health insurance offers mostly due to the cheaper contributions and benefits compared to the statutory health insurance.

Only because of certain “pre-existing illnesses”, the whereabouts in the statutory health insurance may be useful.

To find the best private health insurance for civil servant candidates, we offer you a non-binding and free health insurance comparison. Thus, you will learn which, PKV offers you the optimal price-performance ratio and best suits your individual needs.

Use the comparison of private health insurance for civil servants and as a real decision-making aid and get in this way a clear overview of the tariffs in the market.

 

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