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 in 2018
|Health insurance||Long-term care insurance without additional contribution**|
Long-term care insurance
with additional contribution**
|72,17 €*||16.55 €||18.17 €|
* Statutory contribution for students in 2018, comprised of 66.33 EUR plus TK-specific additional contribution rate of 5.84 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.