Neue LKH-Tarife: Eine der besten PKV für Beamte?

LKH is launching new supplementary health insurance plans for civil servants. But are these new plans truly among the best private health insurance options for civil servants? In this video, we take a detailed look at LKH's new private health insurance for civil servants. We don't just focus on individual advertising claims, but analyze the policy terms, benefits, premiums, and potential weaknesses. The new LKH plans are clearly positioned in the high-performing premium segment and offer very comprehensive benefits in many areas. Key features include: Reimbursement even beyond the 3.5-fold rate of the German Fee Schedule for Physicians (GOÄ) and Dentists (GOZ) Coverage for treatments in private clinics An open catalog of medical aids Additional coverage for medical aids through the supplementary supplementary health insurance plan Comprehensive coverage for remedies and osteopathy Coverage for domestic help Particularly strong benefits for spa and rehabilitation treatments The new LKH plan is currently setting new standards, especially regarding spa and rehabilitation services. In this area, it's not only among the better plans on the market, but in our view, it currently offers the strongest benefits among supplementary health insurance plans for civil servants. The open list of covered medical aids is also a significant advantage. Together with the additional benefits from the supplementary health insurance plan, this can reduce gaps in coverage that, with other plans, can lead to high out-of-pocket expenses in serious cases. However, no plan is perfect in every respect. Therefore, we also discuss potential disadvantages and limitations, such as: 🔎 Limitations on individual benefits 🔎 Medical aid management in cases of higher costs 🔎 Special considerations for extended stays abroad 🔎 The comparatively high premium The new LKH plan thus offers very strong benefits, but is also correspondingly positioned in the upper price segment. Therefore, it's not just about whether a plan looks good on paper. It must fit your personal needs, your career path as a civil servant, and your budget. Private health insurance may accompany you throughout your entire professional life. Therefore, you shouldn't just compare premiums, but above all, carefully examine which benefits are permanently guaranteed to you by the insurance terms and conditions. Are you becoming a civil servant or about to be appointed and would like to compare LKH with other providers? At BeamtenCircle, we consider all relevant tariffs on the market. As insurance brokers, we are independent in our decisions and not tied to any specific insurance company. Together, we'll determine which health insurance for civil servants truly meets your needs. Free initial consultation and further information: https://www.beamtencircle.de/krankenv... Our online and social media presence: Website: www.beamtencircle.de TikTok:   / beamtencircle   Instagram:   / beamtencircle_   Feel free to leave a comment: How important are comprehensive benefits for rehabilitation, spa treatments, assistive devices, and private clinics to you? Hanse Merkur's supplementary health insurance plans:    • im Test: neuer Hanse Merkur Beamtentarif 2026   #beamtencircle #pkvbeamte #krankenversicherungbeamte #lkh #lkhkrankenversicherung #privatekrankenversicherung #beihilfe #beihilfetarif #beamte #beamtenanwärter #versicherungsmakler 00:00 New LKH plans for civil servants 02:38 LKH and its market position 06:27 The most important benefits at a glance 09:31 Premiums and plan options 13:49 Insurance terms and conditions in detail 16:15 Spa treatments, rehabilitation, and other special benefits 18:33 Disadvantages and conclusion of the new LKH plan