Student health insurance in Germany: the contribution at every fund

Until your 25th birthday, as long as your own total income stays at or below €565 a month, or €603 with a minijob (section 10 SGB V). Voluntary military or volunteer service extends this. After that, or if one parent is privately insured and earns more, you need your own student cover.

No, as long as you work no more than 20 hours a week during term as a working student (Werkstudent): the job stays exempt and you keep paying the fixed student contribution. If you regularly work more, you are insured as an employee and pay on your wages. A minijob changes nothing about the contribution.

Compulsory student cover ends with the semester in which you turn 30 (section 190(9) SGB V); the law no longer sets a limit by number of semesters. You then become a voluntary member. Without income of your own the minimum base of €1,318.33 a month applies, at the full reduced rate of 14 % plus the additional rate; that is clearly more than the student contribution. Longer study periods can be recognised for family or personal reasons.

Yes, within three months of becoming compulsorily insured, if you have private cover, for example through a parent’s civil servant allowance or as an international student with a recognised policy (section 8(1) no. 5 SGB V). The exemption lasts for the whole of your studies and cannot be revoked.