Insurance

Health Insurance for Students

Pinterest LinkedIn Tumblr

Health Insurance for Students. When starting a course, an important decision is made: GKV or PKV for the student? Even if the private alternative is interesting, GKV is still a good choice.

The beginning of your studies is in several ways the beginning of a new stage in life – not least, the choice of the right health insurance should be mentioned here. However, if the parents of the students are legally insured, the decision should not be difficult, because students benefit from free family insurance up to the age of 25. The situation is different, are parents privately insured or the student was already a member of the statutory health insurance.

Statutory or private – how should students get health insurance?

Health Insurance for Students

Basically, students must also have health insurance.


That is why they are assigned to the statutory health insurance in the first step, but can make use of the option of exemption from compulsory insurance at the beginning of the course.


This right is generally available to all students – regardless of previous insurance.


The period of three months from enrollment or matriculation at the respective university is open for the written application for exemption to the previous health insurance company.


Students are then bound to private health insurance throughout their studies.

The following scenarios serve as a decision aid:

Family insurance through parents

This is of course, the cheapest option because as long as parents receive child benefit for their offspring, they are insured free of charge. Usually, the limit is the 25th birthday, unless the deadline is extended due to military or federal voluntary service.

Students are already a member of a health insurance company

For students who are older than 25 or who have already been employed, GKV should also be the right choice during their studies. In some cases, there is no other solution at all, as the Federal Social Court ruled (judgment of April 27, 2016, Az. B12KR24 / 14R), namely if compulsory insurance existed up to the start of studies. This can be the case, for example, as part of an apprenticeship, a voluntary social year or during federal voluntary service.

The parents have private health insurance

Here it makes sense to keep the private health insurance – the application for exemption from compulsory insurance must then be submitted in any case. Exception civil servants: Here, a competent advisor should definitely be involved in the decision in order to limit the risk of drastically increasing contributions.

Students have private health insurance themselves

In this case, compulsory insurance only applies as long as students have not yet reached the age of 30. Only then is the way to GKV open.

Write A Comment

  • bitcoinBitcoin (BTC) $ 24,161.00 2.48%
  • ethereumEthereum (ETH) $ 1,907.33 4.55%
  • tetherTether (USDT) $ 0.999486 0.16%
  • usd-coinUSD Coin (USDC) $ 1.00 0.14%
  • bnbBNB (BNB) $ 317.35 4.05%
  • cardanoCardano (ADA) $ 0.554837 5.81%
  • xrpXRP (XRP) $ 0.374027 3.53%
  • binance-usdBinance USD (BUSD) $ 0.997884 0.62%
  • solanaSolana (SOL) $ 43.96 7.68%
  • dogecoinDogecoin (DOGE) $ 0.077430 0.87%
  • polkadotPolkadot (DOT) $ 8.85 7.1%
  • shiba-inuShiba Inu (SHIB) $ 0.000016 6.36%
  • staked-etherLido Staked Ether (STETH) $ 1,860.39 4.41%
  • avalanche-2Avalanche (AVAX) $ 27.54 6.74%
  • matic-networkPolygon (MATIC) $ 0.970695 6.51%
  • daiDai (DAI) $ 0.999190 0.4%
  • tronTRON (TRX) $ 0.069305 2.07%
  • wrapped-bitcoinWrapped Bitcoin (WBTC) $ 24,185.00 2.36%
  • ethereum-classicEthereum Classic (ETC) $ 41.54 5.7%
  • okbOKB (OKB) $ 21.46 4.93%
  • leo-tokenLEO Token (LEO) $ 5.24 5.39%
  • litecoinLitecoin (LTC) $ 61.81 5.15%
  • nearNEAR Protocol (NEAR) $ 5.49 7.03%
  • ftx-tokenFTX (FTT) $ 30.59 3.83%
  • chainlinkChainlink (LINK) $ 8.57 7.84%
  • uniswapUniswap (UNI) $ 8.70 7.7%
  • crypto-com-chainCronos (CRO) $ 0.151350 3.16%
  • cosmosCosmos Hub (ATOM) $ 11.36 6.45%
  • stellarStellar (XLM) $ 0.124387 3.41%
  • moneroMonero (XMR) $ 165.85 1.34%
  • flowFlow (FLOW) $ 2.79 5.17%
  • bitcoin-cashBitcoin Cash (BCH) $ 135.71 6.89%
  • algorandAlgorand (ALGO) $ 0.360026 5.56%
  • vechainVeChain (VET) $ 0.031667 6.39%
  • filecoinFilecoin (FIL) $ 8.14 5.97%
  • internet-computerInternet Computer (ICP) $ 7.82 6.45%
  • apecoinApeCoin (APE) $ 6.32 7.48%
  • decentralandDecentraland (MANA) $ 1.06 4.63%
  • chain-2Chain (XCN) $ 0.084571 3.46%
  • the-sandboxThe Sandbox (SAND) $ 1.33 4.56%
  • hedera-hashgraphHedera (HBAR) $ 0.078371 5.25%
  • axie-infinityAxie Infinity (AXS) $ 18.40 6.84%
  • tezosTezos (XTZ) $ 1.80 7.88%
  • celsius-degree-tokenCelsius Network (CEL) $ 3.76 1.29%
  • quant-networkQuant (QNT) $ 117.62 8.56%
  • theta-tokenTheta Network (THETA) $ 1.50 8.33%
  • aaveAave (AAVE) $ 105.14 6.16%
  • lido-daoLido DAO (LDO) $ 2.63 11.35%
  • fraxFrax (FRAX) $ 0.991146 0.98%
  • elrond-erd-2Elrond (EGLD) $ 61.29 7.91%