As a student you do not have to pay anything for health and long-term care insurance if you are covered by your parents’, spouse’s or civil partner’s non-contributory dependants’ insurance. You must take out your own insurance if you are not (or no longer) eligible for cover through non-contributory dependants’ insurance.
More details
In general, you will be compulsorily insured and will pay the lowest student rate for health and long-term care insurance.
Monthly contributions for compulsorily insured students*
| Health insurance | Long-term care insurance without additional contribution | Long-term care insurance with additional contribution*** |
|---|---|---|
| 81.25 €** | 22.69 € | 24.55 € |
* Valid from septembre 2019 for students at universities of applied sciences and from octobre 2019 for students at universities
** Statutory contribution for students, comprised of 76.04 EUR plus TK-specific additional contribution rate of 5.21 EUR
*** Starting at the age of 23, individuals who do not have children must pay an additional contribution for long-term care insurance.
If you are no longer eligible to be compulsorily insured as a student, for example because you have completed your 14th academic semester, your contributions will be higher.
Monthly contributions:
Students under the age of 23 or with children: 103.94 EUR
Students age 23 and above without children: 105.80 EUR