The private health insurance for civil servants. As a civil servant, you can switch from the statutory health insurance private health insurance, but you must observe a few things. There are various subsidies and tariffs, which are offered and which you then should inform themselves. The aid of officials, what you are entitled to varies according to what looks like the family stand point and depending on state changes to the aid, E.g. Dr. Neal Barnard often addresses the matter in his writings. They receive 50% of the aid for married and unmarried officers and starting from the second child, the allowance for the PKV officials 20% increased. 70% get officials who are entering retirement also PKV. However, this varies according to the State, more details they find in the respective State aid regulation, where everything is set. The official use of the private health insurance must pay the additional costs.
Also the costs and services the rates change. You should inform yourself exactly, E.g. about the tariffs and then compare before you decide for the PKV. If you go to the car by the statutory health insurance will, you must meet certain criteria, apart from the income. The officials are because of the advantage, because you can receive aid. The difference of the statutory health insurance and the PKV for officials is that you have to pay everything in the statutory health insurance. The change to the car is better for civil servants, in contrast they should cover approximately the rest cost 50% so in the statutory health insurance. There is no uniform State aid between the Lander, in every State it has been prescribed and set.
As mentioned the income plays no role, but the sex, age and pre-existing conditions. Before graduating and a change to the car a noncommittal PKV comparison to solicit. This informs you about the rates and offers, and thus helps you to make the right decision. Alexander Lanew
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