As a compulsorily insured student, you pay a standard contribution (applies throughout Germany) based on the maintenance need (requirement rate) defined by the BAföG [German Federal Education and Training Assistance Act] - regardless of whether or not you receive BAföG assistance yourself.
More details
Health insurance for students in Germany
| Breakdown of the monthly contribution | Health insurance* | Long-term care insurance | Total amount |
|---|---|---|---|
| up to 23 years without child | 92,73 EUR | 27,61 EUR | 120,34 EUR |
from 23 years of age without child | 92,73 EUR | 32,48 EUR | 125,21 EUR |
| with at least 1 child | 92,73 EUR | 27,61 EUR | 120,34 EUR |
| with 2 children under 25 years | 92,73 EUR | 25,58 EUR | 118,31 EUR |
| with 3 children under 25 years | 92,73 EUR | 23,55 EUR | 116,28 EUR |
| with 4 children under 25 years | 92,73 EUR | 21,52 EUR | 114,25 EUR |
| with at least 5 children under 25 years | 92,73 EUR | 19,49 EUR | 112,22 EUR |
* Statutory contribution for students made up of 82.99 EUR plus the TK-specific supplementary contribution rate of 9.74 EUR.
| Breakdown of the monthly contribution | Health insurance* | Long-term care insurance** | Total amount |
|---|---|---|---|
| up to 23 years without child | 97,64 EUR | 29,07 EUR | 126,71 EUR |
from 23 years of age without child | 97,64 EUR | 34,20 EUR | 131,84 EUR |
| with at least 1 child | 97,64 EUR | 29,07 EUR | 126,71 EUR |
| with 2 children under 25 years | 97,64 EUR | 26,93 EUR | 124,57 EUR |
| with 3 children under 25 years | 97,64 EUR | 24,80 EUR | 122,44 EUR |
| with 4 children under 25 years | 97,64 EUR | 22,66 EUR | 120,30 EUR |
| with at least 5 children under 25 years | 97,64 EUR | 20,52 EUR | 118,16 EUR |
* Statutory contribution for students made up of 87,38 EUR plus the TK-specific supplementary contribution rate of 10,26 EUR.
** How much do I have to pay for long-term care insurance
When you reach the age of 30
We can only extend the insurance beyond your 30th birthday under certain circumstances.
When your student insurance expires, you will need to pay the regular contributions for voluntarily insured persons. The amount is based on your income. If you have no income you pay the minimum contribution:
Voluntarily insured students | Health insurance* | Long-term care insurance |
|---|---|---|
up to 23 years without child | 179,11 EUR | 40,06 EUR |
from 23 years of age without child | 179,11 EUR | 47,13 EUR |
with at least 1 child | 179,11 EUR | 40,06 EUR |
with 2 children under 25 years | 179,11 EUR | 37,12 EUR |
with 3 children under 25 years | 179,11 EUR | 34,17 EUR |
with 4 children under 25 years | 179,11 EUR | 31,23 EUR |
with at least 5 children under 25 years | 179,11 EUR | 28,28 EUR |
* includes the TK-specific supplementary contribution rate of 13,58 EUR
To calculate your contributions individually, we will be happy to send you an application - just contact us to request one. You can reach our TK-ServiceTeam by phone at +49 40 - 46 06 62 53 00 (24 hours a day, 365 days a year).
Pay contributions monthly using direct debit
The easiest and convenient way is to set up a Direct Debit Mandate with us. We will then debit your contribution from your bank account every month. Otherwise, you have to pay the entire semester contribution in advance.
Reasons for extending the student health insurance
Under certain conditions, we can extend the student health insurance.
Reasons for extending the insurance past the qualifying age limit:
- illness
- disability
- birth of a child
- providing care for a disabled or sick relative
- member of a committee or council pf a higher education institution
- non-admission to a study programme
- basic military service or alternative community service
- voluntary social year
- second chance and further education
- Bundesfreiwilligendienst (BFD) [German state voluntary service programme]
- comparable approved voluntary service (e.g. Internationaler Jugendfreiwilligendienst (IJFD) [International Youth Volunteer Service]
- attendance of a Studienkolleg [preparatory college] as a mandatory requirement for admission to a study programme
- registration with a preparatory language course as a mandatory prerequisite for admission to a study programme