Health insurance

First-year students must submit an insurance certificate issued by the health insurance companies to the respective university in order to enrol.

There are basically three possible forms of membership in a statutory health insurance fund for students:

Students are covered by their parents' statutory health insurance free of charge until they reach the age of 25.
Certain income limits apply here:
Family insurance is excluded if the student's total regular income exceeds €470 per month or €520 in the case of a mini-job.

Further requirements and detailed information on family insurance.

After the age of 25, the free family insurance ends and the student is obliged to pay their own insurance contributions. In principle, all enrolled students are compulsorily insured in the statutory health insurance scheme, which actually means that you can insure yourself at a relatively low rate.
Students who are subject to compulsory insurance are also required to pay their own contributions to long-term care insurance.

Start and end of insurance
Health insurance begins with the semester, but at the earliest on the day of enrolment or re-registration. It always ends

  • one month after the end of the semester. This means that even if you exmatriculate before the end of the semester, your health insurance cover remains valid until the regular end of the semester.
  • generally at the end of the 14th semester or at the end of the semester in which the student turns 30.
  • if another, priority insurance comes into effect (e.g. as an employee).

Further information can be obtained from the relevant health insurance company in individual cases.

Contributions to student health insurance (as at October 2022)

Basic amount of €82.99 + additional contribution

Here you can find further information on student health insurance (including contributions and additional contributions).

There is also long-term care insurance, which costs €24.77 per month or €27.61 (for childless students over 23).

BAföG recipients who are liable to pay student health insurance contributions receive a monthly allowance of €94 towards the health insurance contribution and €28 towards the long-term care insurance contribution from the BAföG office.

Exemption from compulsory insurance
This is only possible for students who have other health insurance (e.g. private). This is a final decision that cannot be revoked during the entire course of study. After graduation, you can only rejoin the statutory health insurance fund if you become subject to compulsory insurance as an employee.
Information on switching to private health insurance.

Further information from your health insurance company and at www.studis-online.de

After the end of the student health insurance (age limit of 30 years) you automatically remain in the statutory health insurance, only with the status "voluntarily insured".

Further information (requirements, organizational matters, extension options, amount of contributions, etc.) can be found at www.studis-online.de

You can find an overview of contributions and lots of other useful information on health insurance for students at www.student-kv.de.