Why Anwärter tariffs exist

Trainee civil servants (Beamtenanwärter / Beamte auf Widerruf) have lower incomes during their training phase. Beihilfe-compatible insurers offer dedicated Anwärter tariffs with reduced premiums to reflect this.

Key characteristics of Anwärter tariffs:

Lower premiums — reflecting the temporary training income level
No aging reserves (Altersrückstellungen) during the Anwärter phase — further reducing the premium
Defined upgrade path — upon appointment as a full Beamter, you transition into the regular tariff without new health assessments
Same benefit structure — the coverage scope is identical to the regular tariff

How the transition works

When you complete your training and are appointed as a full civil servant (Beamter auf Lebenszeit or auf Probe):

Your tariff transitions from the Anwärter version to the regular version
Aging reserves begin to be built — the premium adjusts accordingly
No new health assessment is required at the point of transition
Your entry age for the regular tariff is preserved from the original start date

This makes early entry as an Anwärter strategically advantageous — the younger you start, the lower your lifetime cost basis.

Contribution refund for Anwärter

Like regular BeihilfeBest, Anwärter tariffs can include a contribution refund (BRE) for claim-free periods. Important to note:

The refund amount is not a fixed guarantee — it is determined annually by the insurer's board
Current practice: up to several monthly premiums can be refunded
This applies for the current year and may change in future years

The refund applies only to the Anwärter premium amount. After transitioning to the regular tariff, the refund is calculated on the then-applicable regular premium.