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 insuranceLong-term care insurance without additional contribution 

Long-term care insurance

with additional contribution**

82.11 €*22.94 €24.82 €

* Statutory contribution for students, comprised of 76.85 EUR plus TK-specific additional contribution rate of 5.26 EUR
** Starting at the age of 23, individuals who do not have children must pay an additional contribution for long-term care insurance.

Monthly contributions:

Students under the age of 23 or with children: 105.05 EUR

Students age 23 and above without children: 106.93 EUR

Please get in touch with us if you are 30 years of age or older. In this case, you may have to pay higher contributions.