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.
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**
|85,87 €*||22.94 €||24.82 €|
* Statutory contribution for students, comprised of 76.85 EUR plus TK-specific additional contribution rate of 9.02 EUR
** Starting at the age of 23, individuals who do not have children must pay an additional contribution for long-term care insurance.
Students under the age of 23 or with children: 108,81 EUR
Students age 23 and above without children: 110,69 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.