Civil servant health aid (Beihilfe) in Saxony-Anhalt covers a share of medical costs for eligible civil servants. It is not a full reimbursement, so you need to know your co-payment before you choose a tariff. This guide explains the rate, shows a worked example and names the offices that give binding figures.
Short answer: In Saxony-Anhalt, civil servant health aid covers a share of medical costs for eligible civil servants. The rate is set by the state law on Beihilfe. As a rule, civil servants on probation without children receive 50 percent (secondary source, status October 2026). The exact percentages are not in the sources we verified, so the worked example uses an assumption. You usually cover the rest with a private health insurance policy. Last updated: October 2026.
Key points
- Beihilfe is not a full reimbursement. It covers a share of eligible costs, and you cover the rest through insurance or yourself.
- The rate depends on your status and your family. The percentages are set in the state law on Beihilfe.
- The 50 percent in this guide is a secondary-source figure (status October 2026), and the example is an assumption.
- Whether the principle of self-provision applies to you depends on your civil servant status. The finance ministry describes the legal position.
- A private policy complements Beihilfe. Whether it fits depends on your costs and your long-term planning.
What does the rate mean?
The rate tells you which share of eligible costs Beihilfe covers. The state law on Beihilfe sets it in Saxony-Anhalt. Whether there is a higher level for families with children is also set in state law, and we did not check it in the sources. The concrete percentages are not in the sources we verified. If you need them, ask the Beihilfe office in writing for the current rate and have it confirmed.
How do you calculate your co-payment?
Your co-payment results from the rate, the amount of the bill and the benefits of your tariff. The worked example shows the sequence. The percentage is an assumption and not the rate in Saxony-Anhalt.
Assumption: the rate is 50 percent, for illustration only. The bill is 800 euros.
- Eligible costs: 800.00 euros.
- Beihilfe share at 50 percent: 400.00 euros.
- Remainder that you or your PKV must carry: 800.00 euros minus 400.00 euros equals 400.00 euros.
- Your tariff pays part of this remainder, depending on the reimbursement rate and your deductible. What is left over is your actual co-payment.
Your tariff pays only on the remainder, not on the full bill. That is why you should ask for a sample settlement before you decide.
What role does private insurance play?
Private insurance covers the remainder of Beihilfe. It fits if you need benefits that go beyond the Beihilfe share and if you plan for how contributions develop later in life. It fits less well if you expect only small costs and prefer a fixed framework. The balance depends strongly on your case. Academycon offers a personal assessment (in German): So arbeiten wir.
What is different from Saxony?
State law on Beihilfe differs between the German states. Saxony-Anhalt has offered a flat-rate Beihilfe since 1 January 2026 for voluntarily statutory insured people, which can be revoked at any time with three months’ notice (secondary source, status October 2026). The Saxon rules do not apply to you if you are a civil servant in Saxony-Anhalt. For the Saxon details, read Beihilfe in Sachsen.
Frequently asked questions
Is there an income limit for my spouse?
We have no verified rule for Saxony-Anhalt. In Saxony, a limit applies to the total income. Ask the Beihilfe office whether and from what income level your spouse is counted.
Do I have to submit Beihilfe claims myself?
Usually yes. Claims go to the competent office. Send original invoices and keep copies. The Beihilfe office sets the deadlines and forms.
Is Beihilfe a full reimbursement?
No. Beihilfe covers only a share of eligible costs. You must cover the rest through insurance or pay it yourself.
Is there a flat-rate Beihilfe in Saxony-Anhalt?
Yes. Since 1 January 2026, a flat-rate Beihilfe exists for voluntarily statutory insured people, revocable with three months’ notice (secondary source, status October 2026). Check the details with the Beihilfe office.
What changes during teacher training?
During training, your entitlement depends on your status. Read the guide Lehramtsreferendariat in Sachsen-Anhalt for the training context.
Which documents do you need for a claim?
Claims are easier to process when the paperwork is complete. The competent office sets the exact requirements. In practice, the following items usually matter.
- Original invoices with the date of service, a description of the service and the amount.
- Documents for dependants you claim for, such as proof of a spouse’s income.
- A copy of each invoice for your own records before you send the originals.
- A settlement from the Beihilfe office that lets you show the remainder against your private insurer.
Submit claims promptly and observe the office’s deadlines. If you are unsure about an item, ask first rather than guess.
Next steps
- Check whether you are eligible for Beihilfe and whether your spouse is counted within the income limit.
- Ask the Beihilfe office for the current rate and get it confirmed in writing.
- Calculate your co-payment with that rate and compare private tariffs against the benefits you need.
- Keep invoices and receipts in order, so that each settlement can be traced.
Related guides
- Civil Servant Health Aid: Rates and How It Works
- Civil Servant Health Aid During Training: Rates and Claims
- Health insurance during clerkship: GKV, PKV and Beihilfe
- Beihilfe in Sachsen
- Lehramtsreferendariat in Sachsen-Anhalt
Sources: Ministry of Finance Saxony-Anhalt: information on the legal position in civil service (31 March 2026, in German); Deutsche Beamtenversorgung: flat-rate Beihilfe (status October 2026).
Last updated: October 2026. This guide is general information, not individual advice.
