Lionel Hasse

How civil servant health aid (Beihilfe) in Saxony-Anhalt works, how to calculate your co-payment and when private insurance fits. With a worked example.

Teacher training (Referendariat) in Saarland lasts 18 months. Here is what to clarify about pay, Beihilfe and health insurance before you start.

Legal traineeship in Lower Saxony: maintenance allowance, status, health insurance and side jobs, with a worked example. Last updated October 2026.

Teacher training in Baden-Württemberg 2026/27: where trainee pay is set, how Beihilfe and insurance fit together. Last updated October 2026.

The Beihilfe rates Berlin lists for civil servants, how the out-of-pocket share arises, and what to check when choosing private cover for the remaining share.

The living-cost allowance in the legal traineeship in Hamburg: what the 2022 regulation sets, how side income is offset, and which health insurance points remain open.

A PhD in a company follows different rules than one at a university. What to check in the contract, fixed terms, salary and health insurance.

Voluntary GKV, PKV with Beihilfe or lump-sum Beihilfe compared: 2026 contributions with a worked example, the opening offer and open questions.

Elective placement abroad during the Referendariat: which health insurance applies, how repatriation and cost reimbursement work, and the maintenance allowance.

What the maintenance aid (Unterhaltsbeihilfe) in the legal traineeship in Saxony-Anhalt covers, how health insurance works and where to find the current version.