Advice for the public sector.
Civil servants have special rules, and deserve special advice. Incapacity, Beihilfe and the pension gap: solved precisely.
Private clients · Specialty
Civil-servant check
Three rules, one plan.
Cover disability properly
Separate Beihilfe and remaining costs cleanly
Make the gap visible early
What does private health insurance cost for civil servants in Berlin?
Less than many think, because Beihilfe carries the largest part. Civil servants only insure the rest: 50, 30, 20 or 10 %, matching the Beihilfe rate. The premium depends on age, Beihilfe rate and tariff. In the meeting we compare your options with real numbers.
In case of incapacity for service the deduction from the pension can be up to 10.8 %. (Civil service pension law, DVAG training on civil service pensions)
Civil servants have their own rules
A normal occupational-disability policy often doesn't fit civil-servant status, and the pension rarely suffices in the early years. Both can be solved precisely.
The incapacity clause
Only it covers civil-servant status properly; a pure BU often falls short.
Beihilfe-compliant cover
Private health insurance covers exactly the part Beihilfe does not.
Close the pension gap early
Especially in the first years of service the gap is large and cheap to close.
What matters for civil servants
Occupational disability
The most important cover, tailored to civil-servant status.
Beihilfe & health insurance
Beihilfe-compliant cover for remaining costs instead of expensive gaps.
Pension gap
Close it early, especially in your first years of service.
What we review for civil servants
- Incapacity cover & conditions
- Beihilfe entitlement & supplementary tariff
- Pension entitlement & gap
- Subsidies (e.g. Riester for civil servants)
What we review for civil servants
Frequently asked questions for civil servants
Why DU rather than a normal BU?
The incapacity clause covers the specific civil-servant situation, a pure BU is often not enough.
Worthwhile already as a trainee?
Yes. Taken out early you are cheaper and more comprehensively protected.
Which health insurance fits?
A Beihilfe-compliant private plan covers exactly the part Beihilfe does not.
Request civil-servant advice
Free and non-binding, we know the specifics.