Private health insurance for civil servants
As a civil servant or candidate you benefit from Beihilfe (state subsidy). We'll find the right supplementary tariff – with no ties to any insurer.
Independent advice
No ties to any insurer.
Personal contact
One advisor – start to finish.
Digital worldwide
Video or phone consultation.
Switch or new policy
We guide you the entire way.
Not sure if PHI fits your situation?
Take the free 2-minute PHI Check — independent, non-binding and in English.
Beihilfe + PHI = strong protection
The state employer covers a large share of your medical costs (Beihilfe). The remaining costs are covered by supplementary private health insurance.
Open enrolment & entitlement (Anwartschaft)
Even with pre-existing conditions you remain insurable via the open enrolment programme. During time abroad or parental leave, an Anwartschaft secures your rights.
Check your PHI options in 2 minutes
Free, non-binding, and reviewed personally by an independent broker.
Independent comparison of leading insurers
