Insurances
Students are covered by their parents' statutory health insurance free of charge until they reach the age of 25.
However, certain income limits apply for this.
Further requirements and detailed information on family insurance.
After the age of 25, the free family insurance ends and the student is obliged to pay their own insurance contributions. In principle, all enrolled students are compulsorily insured in the statutory health insurance scheme, which actually means that you can insure yourself at a relatively low rate.
Students who are subject to compulsory insurance are also required to pay their own contributions to long-term care insurance.
Students are covered by their parents' family insurance until their 25th birthday if their parents have statutory insurance. They do not have to pay their own contributions. After that, they have the option of student statutory health insurance at favorable insurance conditions. Health insurance is compulsory for students at state or state-recognized universities in Germany. The compulsory insurance also automatically applies to social long-term care insurance with own contributions.
Start and end of insurance
Health insurance begins with the semester, but at the earliest on the day of enrolment or re-registration. It always ends
- one month after the end of the semester. This means that even if you exmatriculate before the end of the semester, your health insurance cover remains valid until the regular end of the semester.
- generally at the end of the 14th semester or at the end of the semester in which the student turns 30.
- if another, priority insurance comes into effect (e.g. as an employee).
Further information can be obtained from the relevant health insurance company in individual cases.
Contributions to student health insurance
The student health insurance consists of:
Basic amount + additional contribution + care insurance contribution
BAföG recipients who are liable to pay student health insurance contributions receive a monthly subsidy from the BAföG office. (BAföG subsidy for health insurance)
Exemption from compulsory insurance
This is only possible for students who have other health insurance (e.g. private). This is a final decision that cannot be revoked during the entire course of study. After graduation, you can only rejoin the statutory health insurance fund if you become subject to compulsory insurance as an employee.
Information on switching to private health insurance.
Further information from your health insurance company and at www.studis-online.de
Students must also make a financial contribution to long-term care insurance. The following principle applies: anyone who is insured in a statutory health insurance scheme automatically becomes a member of social long-term care insurance.
The contribution amount is set at the level of the BAföG maximum rate and is linked to the number of children. Current contributions.
Students with private health insurance are obliged to pay their contribution to the respective private long-term care insurance fund.
Important for BAföG recipients: If they are liable to pay contributions to the long-term care insurance fund, they will receive a monthly subsidy towards the monthly long-term care insurance contribution from the BAföG office.
Statutory accident insurance (non-contributory)
- Students are covered by statutory accident insurance during their education and training at universities and on the causal routes associated with attending the university.
- This insurance is non-contributory.
- Students receive the same benefits as all other persons covered by statutory accident insurance. These are, above all, the assumption of costs for medical treatment (the doctor treating the student must be informed immediately that the accident occurred in connection with attending the university), entitlement to a pension and to all necessary rehabilitation assistance in the event of permanent damage.
Private accidents are not covered by statutory accident insurance. These are either covered by health insurance or private accident insurance.
Contact persons and further information: The student office of the respective university should be informed of the accident immediately. It will forward the report to the insurance provider.