Guide for Newcomers in Germany
For Expat Civil Servants
Beihilfe-Compliant Insurance for Expats
English-speaking health insurance with Beihilfe subsidy - From €80/month
Key German Terms
Beihilfekonform = Beihilfe Compliant
Beihilfe = Government Health Subsidy
PKV = Private Health Insurance
Beamter = Civil Servant
€80
From/Mo
100%
English
Many
Plans
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Key Takeaways
- Beihilfe is a government subsidy for civil servants (Beamte) covering 50-70% of healthcare costs
- Expats with Beamter status qualify — nationality does not matter
- Private insurance with Beihilfe costs €80-250/month vs €400+ public insurance
- English-speaking insurers available: Ottonova, Allianz Care, AXA
- Annual savings of €2,000-4,000 compared to standard private insurance
Tip for Newcomers
As an expat civil servant (Beamter) in Germany, you qualify for Beihilfe - a generous government subsidy covering 50-70% of your healthcare costs. This makes your private health insurance extremely affordable at just €80-250/month. Many insurers offer full English service, so you do not need to speak German to get excellent healthcare coverage.
Expat Benefits
Full English Service
Full English Service
Beihilfe Subsidy
Beihilfe Subsidy
International Coverage
International Coverage
Need to compare other health insurance options in Germany?
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