Civil servants in Saarland receive Beihilfe (state aid) from their employer when they are ill, instead of the full benefit of a statutory health insurer. Beihilfe is a partial reimbursement. A rate, the Bemessungssatz, sets the share your employer covers. You cover the rest yourself or through insurance. This guide explains the logic and shows where the binding rules are published.
In short: Beihilfe in Saarland is a benefit from the employer that covers only part of medical costs. The rate depends on family status and the number of eligible children and is set in the Saarland Beihilfe ordinance. The rest is usually insured through private insurance. As a rule, civil servants without children receive 50 percent (secondary source, status October 2026). Last updated: October 2026.
The essentials in brief
- Beihilfe in Saarland follows the Saarland Beihilfe ordinance. The rates are set there, not in guides or comparison sites.
- The rate depends on family status and children. It applies only to eligible expenses.
- The part that is not covered, your remaining share (Eigenanteil), is usually insured through a supplementary PKV tariff or paid by you.
- The Beihilfe office of the state processes claims. Ask there which documents and deadlines apply.
- Whether PKV fits depends on health, age, family and career path. Statutory insurance can be the better choice in some situations.
How is the Beihilfe rate set in Saarland?
The Saarland Beihilfe ordinance distinguishes between groups of entitled persons. Civil servants, spouses and registered partners, children and pensioners each have their own rates. The current text of the ordinance is the only binding reference. If you are a civil servant on probation during training, check specifically whether a separate rule applies to your group.
The 50 percent comes from a third-party source, not from the ordinance text. Insurance overviews often state a date without citing the sections of the ordinance. For a decision, only the ordinance itself counts.
| Step | What you check | Where to look |
|---|---|---|
| 1 | Is the item on the bill eligible? The basis is the fee schedules GOÄ or GOZ. | Saarland Beihilfe ordinance |
| 2 | Which rate applies to your family status and children? | Ordinance, section on the rate |
| 3 | How much is paid, and what remains open? | Beihilfe notice from the Beihilfe office |
| 4 | Does your tariff cover the rest fully, partly or not at all? | Policy conditions of your tariff |
How high is your share under Beihilfe in Saarland?
Your share (Eigenanteil) is the part of the costs that neither Beihilfe nor insurance covers. It results from the eligible costs, the rate and the benefits of your tariff. You can trace the amount for each item separately, as the table shows.
Worked example. Assumption: an eligible bill of 1,000 euros and a rate of 50 percent. The figure is only an illustration. Beihilfe then pays 500 euros, and the remaining 500 euros stay your share unless a tariff covers them.
Does PKV fit alongside Beihilfe, or is statutory insurance better?
PKV supplements Beihilfe; it does not replace it. It is most interesting if you want a tariff to cover your share. Both sides matter, so here is a balanced view:
- PKV tends to fit if you are healthy, join early and find a supplementary tariff that covers your share well.
- PKV can be a poor fit if pre-existing conditions lead to surcharges or exclusions, or if you could not carry contribution increases in older age.
- Statutory insurance can be the better choice in some situations. The rules depend on your status and should be clarified in advance.
A general overview does not replace an individual check. If you want your case calculated, get personal advice before you decide. How Academycon works with clients is described here: How Academycon works (in German).
Does Beihilfe in Saarland also apply to trainees?
Civil servants on probation during their training are usually entitled to Beihilfe if they are registered as such. Which rate applies to trainees should be clarified in the ordinance text and with the Beihilfe office. More on Beihilfe during training is available in the German guide on Beihilfe in the clerkship.
Frequently asked questions
Who processes Beihilfe claims in Saarland?
The Beihilfe office of the state processes claims. It also tells you which documents and forms you need. Submit complete receipts promptly, because open queries cost time.
Do I receive Beihilfe automatically?
No. Beihilfe is granted on application, with the receipts the procedure requires. Missed deadlines or formal requirements can cost you benefits. A simple filing system for bills saves a lot of work later.
Can I combine Beihilfe with statutory health insurance?
Usually not to the same extent. If you stay in statutory insurance, you normally receive a contribution subsidy from your employer instead of Beihilfe. The rule depends on career path and status, so have it confirmed in writing before you decide.
What happens if I move to another federal state?
Beihilfe follows your employer, not your place of residence. A move to another state can change the rules. A comparison is useful, for example with the German guide on Beihilfe in Rhineland-Palatinate (in German), but the rates do not transfer.
What to do next
- Read the current Saarland Beihilfe ordinance and note the rate that applies to you.
- Confirm in writing whether you are entitled to Beihilfe as a civil servant or trainee and how your status is recorded.
- Compare your share using real bills from your own situation, not percentages alone.
- Have the PKV or statutory option explained to you personally before you sign any contract.
Related reading
- Health Insurance for Referendare in Germany
- Beihilfe im Referendariat: Anspruch, Satz und Antrag (in German)
- Glossar: Beihilfe (in German)
- Teacher training in Saarland
Sources: Saarland state portal, Beihilfe and pay information (website, status as of October 2026), with reference to the Saarland Beihilfe ordinance; covago.de: Beihilfe for trainees by state (secondary source, status October 2026).
Last updated: October 2026. This guide is general information, not individual advice.
