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***

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