Partner Scenarios

Beihilfe in Saxony

Saxony operates a unique Beihilfe model where coverage rates scale sharply with family size: 50% base, 70% with one child, and 90% with two or more children. This makes Saxony one of the most favorable states for Beamte families during Elternzeit, as healthcare costs drop substantially with each child.

Beihilfe Coverage Rate50%
Child SupplementNo

Other States

FAQ

Which partner scenario is best for us in Saxony?

The best scenario depends on your partner's employment type. If both partners are civil servants, both are capped at EUR 1,800 Elterngeld. If one partner is privately employed with lower income, the household income gap is smaller. Compare all three scenarios on this page to find the optimal arrangement.

How does Saxony's Beihilfe work during Elternzeit?

In Saxony, your Beihilfe rate remains unchanged during Elternzeit. The key difference is that the employer's PKV contribution pauses — budget for the full premium. Children are typically covered at 80% Beihilfe.

What is the income difference between scenarios?

The difference can be substantial. When both partners are Beamte and both on leave, household income drops to EUR 3,600/month (two Elterngeld caps). With one partner working, the household retains one full salary plus one Elterngeld payment. See the detailed comparison cards above for exact numbers.

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