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How is a civil servant candidate covered by health insurance?

Are you becoming a civil servant candidate or trainee and dealing with the subject of health insurance? In this context, you will surely ask yourself how civil servant candidates are covered by health insurance and what you have to pay attention to. This is exactly what I would like to go into in today’s article and explain all the details to you.

Civil service candidates have the free choice between private health insurance and statutory active health insurance.

Civil servant candidates (officials with revocation) basically have the option of choosing between voluntary membership in a statutory health insurance fund (GKV) and private health insurance (PKV).

Depending on the federal state, however, civil servant candidates pay the full contribution to statutory health insurance and receive no financial support from their employer. Only in five federal states does the employer contribute to the costs of statutory health insurance in the form of a flat-rate subsidy. In private health insurance for civil servant candidates , on the other hand, there is a basic entitlement to assistance. This is provided by the relevant federal state (in the case of federal civil servants by the federal government) and is at least 50 percent, so you only have to cover the remaining costs (50 percent).

This sounds complex at first and is therefore best illustrated with examples:

A civil servant candidate from North Rhine-Westphalia decides to remain in statutory health insurance. With a later A11 classification, the candidate’s salary is around 1,350 euros per month. Since there is no flat-rate allowance in North Rhine-Westphalia, the full health and nursing care insurance contribution is due on this salary. Including the additional contribution, there are 15.2 percent health insurance costs (e.g. Techniker Krankenkasse) and 3.3 percent for compulsory nursing care insurance. The statutory health insurance company demands 18.5 percent of the monthly salary of 1,350 euros from the civil servant candidate. This corresponds to a monthly GKV contribution of around 250 euros. Or to put it plainly: You have to pay 250 euros a month to the statutory health insurance company.

As briefly described above, private health insurance only has to cover a maximum of 50 percent, since the remaining medical costs are covered by the employer. If the civil servant candidate finds out about private health insurance due to the high costs of statutory health insurance, he finds that he can take out private health insurance for as little as 80 euros a month (this example refers to a 22-year-old civil servant candidate with a 50 percent Aid entitlement in NRW, without previous illnesses with a single room and private medical services in the hospital and supplementary aid tariff).

Based on this example, the monthly saving when choosing private health insurance for the civil servant candidate is 170 euros. Thus, the civil servant pays a total of over 4,000 euros less than in a statutory health insurance company by switching to private health insurance for a two-year candidate period.

If your salary as a civil servant candidate is even higher, your savings will of course increase. From a financial point of view, the question of how best to get health insurance for civil servants is easy to answer at first glance. The contributions in private health insurance are usually significantly cheaper than in the statutory health insurance due to the subsidy. Added to this is the performance increase of private health insurance.

However, general examples should of course, always be treated with a certain amount of caution and do not take into account individual factors such as certain “pre-existing health conditions” that can lead to additional premiums for private health insurance companies. For this reason, you should always request a non-binding and individual health insurance comparison before deciding how to take out health insurance as a civil servant candidate. This is completely free of charge for you and shows you exactly which solution is best for you. Here you can register for your personal PKV comparison for civil servant candidates.

There are other reasons that speak in favor of switching to private health insurance when starting out as a civil servant candidate. It is particularly interesting to look beyond the horizon. If you are also planning a civil service career as a civil servant on probation and for life beyond the candidate period, you must consider what the financial framework will be like for you at this point in time if you remain in the statutory health insurance system.

Let’s continue our example:

After the period as a candidate, you will become a probationary civil servant with an A11 salary at experience level 4. This means you will receive a salary of around 3,560 euros per month.

From today’s perspective, this would again result in 18.5 percent health and nursing care insurance contributions to the statutory health insurance fund. Your monthly GVK contribution as a civil servant on probation is, therefore around 658 euros. Here, too, I would like to draw a comparison with private health insurance for civil servants. A private health insurance for civil servants only costs about 265 euros per month (example for a 24-year-old civil servant from North Rhine-Westphalia with 50 percent subsidy, without “previous illnesses”, single room with private medical care for an inpatient hospital stay and supplementary subsidy tariff). After the candidate period, the savings by switching to private health insurance even amount to over 390 euros a month (4,680 euros a year).

What conclusion can you draw from this?

If you stay in the statutory health insurance during the time as a civil servant candidate, the statutory health insurance will become enormously more expensive at the latest with the probationary civil service due to your higher salary. Since private health insurance is not based on your income, you will only be switched from the candidate to the full rate for civil servants. This is done within your PKV without a new health check. Therein lies your great advantage. If you only intend to switch to private health insurance when you are on probation and remain legally insured beforehand, all medical diagnoses that occurred during the candidate period will of course also be evaluated. This means that certain pre-existing conditions can lead to significant additional premiums in private health insurance at this point in time, up to a complete rejection (in this case only the opening clause would be possible to get into the private health insurance for civil servants). There is definitely an additional risk if you are in good health in the run-up to the candidate period.

Incidentally, even the individual benefit (to which you are only entitled if you take out private health insurance) increases if you have children. In most federal states and with the federal subsidy, there is 70 percent subsidy from the employer from the second child (regardless of whether you are a civil servant candidate, civil servant on probation or for life / in Hesse there is even a general 70 percent subsidy for civil servant candidates – also for civil servants upon revocation without children). If you are entitled to a 70 percent subsidy, the contribution from your private health insurance will decrease, since you only have to cover the 30 percent remaining costs. Let’s stay with the example above: The civil servant candidate would be entitled to a 70 percent benefit from approx. 65 euros per month can take out private health insurance for applicants and as a civil servant on probation the monthly contribution is from around 190 euros per month (the calculation basis and content correspond to the above examples with an aid entitlement of 70 percent). Thus, the savings compared to the statutory health insurance increases again, since the GKV is always based only on income.

As already mentioned above, in some federal states there is the so-called flat-rate aid. In these federal states, the statutory health insurance also contributes to the statutory health insurance contributions for civil servants up to the maximum limit. However, the employer does not contribute to the costs of compulsory nursing care insurance as part of the flat-rate allowance. Specifically, the flat-rate aid is currently being offered in Brandenburg, Thuringia, Berlin, Hamburg and Bremen.

How do the sample calculations look like, taking into account the flat-rate subsidy?

With a monthly salary of 1,350 euros for our civil servant candidate, the flat-rate allowance contributes 50 percent. The percentage costs to the GKV are 15.2 percent (TK including additional contribution). This corresponds to an amount of around 205 euros. Half of this is covered by the flat-rate subsidy, i.e. 102.60 euros. This also leaves the GKV contribution for the civil servant candidate. In addition, there is compulsory nursing care insurance (EUR 44.55 – 3.3 percent of salary). The total contribution to statutory health and nursing care insurance, taking into account the flat-rate allowance, is 147.15 euros per month. You remember: Under the above conditions, the candidate contribution in private health insurance is 50 percent allowance from 80 euros per month.

This additional effort increases in the case of a civil service on probation. On the salary of 3,560 euros, after deducting the 50 percent flat-rate subsidy, there is now a statutory health insurance contribution of around 270 euros. If we add the compulsory nursing care insurance with approx. 117 euros, the monthly total expenditure in the statutory health insurance company is 387 euros.

You remember: With the same conditions and a 50 percent subsidy rate, it would be possible to take out private health insurance from 265 euros. Despite the flat-rate allowance, the civil servant in private health insurance still saves €122 a month.

The special risk of the flat-rate aid is that it is only available in the five federal states mentioned. If you move to a federal state without a flat-rate subsidy at some point, the full contribution to the GKV will be due. Instead of paying 387 euros per month, you have to pay 658 euros. This applies to our example with an A11 position. With a higher salary, the GKV contribution increases accordingly.

However, please never refrain from having your situation calculated individually. A health insurance comparison for civil servant candidates is very useful. You can get this from us without obligation and free of charge.

In addition to the differences in contributions, private health insurance for civil servant candidates includes additional benefits compared to statutory health insurance. For example, a GKV offers a shared room with an affiliated doctor for an inpatient hospital stay, while a single room with a private doctor is covered in the calculation examples. There are also advantages such as B. in the services for glasses and in the dental field.

Conclusion:

There is no general answer to the question of how a civil servant candidate is insured. However, it is worth taking out private health insurance for most civil servants and civil servants. On the one hand, this usually results in a financial advantage for the candidate and, on the other hand, the civil servant candidate benefits from the additional benefits of private insurance compared to the statutory health insurance.

However, general statements should always be treated with the necessary caution, since individual criteria naturally also play a major role. Therefore, let us create your own personal calculation. We will be happy to help you and make them available to you free of charge as part of your health insurance comparison.

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