At 25, your family insurance through your parents ends. As a student you are then insured in your own right and pay the contribution yourself – around €142 to €161 a month, depending on the health insurer. You choose the insurer yourself. Here you see what it costs, when you need to act and how to join online.
On the day before your 25th birthday. If you did military or voluntary service, it is extended by that period, by twelve months at most. It ends earlier if you regularly earn more than €565 a month (€603 with a mini-job, as of 2026) – for example with a working-student job.
As an enrolled student you are in the statutory student health insurance – until the end of the semester in which you turn 30. Condition: your studies come first; a side job stays at no more than 20 hours a week during the lecture period.
You don’t have to stay with your parents’ insurer. You can choose any insurer open where you live, plus the AOK where your university is. Ideally choose before your 25th birthday.
The basic contribution is the same at all insurers; each insurer sets its own additional contribution – and you pay it on your own. Between the cheapest and the most expensive insurer there are around €19 a month, i.e. around €227 a year.
If you receive BAföG, it includes a supplement for health and long-term care insurance.
Doctors, hospital, medicines: statutory benefits are the same everywhere. Differences lie in extras such as dental cleaning, bonus programmes and service.
The contribution is not based on your income but on the BAföG requirement rate of €855 a month. On this you pay 10.22% for health insurance, your insurer’s additional contribution and long-term care insurance.
| Insurer’s additional contribution | Health insurance | Long-term care insurance | Total / month |
|---|---|---|---|
| 2.18% (cheapest insurer) | €106.02 | €35.91 | €141.93 |
| 2.9% (official average) | €112.18 | €35.91 | €148.09 |
| 4.39% (most expensive insurer) | €124.92 | €35.91 | €160.83 |
As of winter semester 2026/27: assessment basis €855 (BAföG requirement), health insurance 10.22% = €87.38 plus additional contribution, long-term care insurance €35.91 (childless from 23; less with children). Additional contributions according to the list of the GKV-Spitzenverband. If the BAföG rate rises, the contribution rises from the following semester. Planned but not yet adopted: under the long-term care reform, the surcharge for childless people is to rise to 0.9 percentage points from 2027 – long-term care insurance would then be €38.48.
Pick an insurer from the list below. You can apply before your birthday – membership starts when your family insurance ends.
When asked whether you are currently covered by statutory health insurance, choose “Yes” and enter your parents’ insurer – family insurance counts as statutory insurance. Occupational group: student.
The new insurer reports your cover electronically to your university. You don’t need to cancel anything with your parents’ insurer.
You pay the contribution yourself, usually by direct debit. The new health insurance card arrives by post – the insurer will ask you for a photo.
Not sure what applies to you? Write to us – we look at your case free of charge.
Sorted by additional contribution – as a student you pay it in full yourself. Choose your federal state; regional insurers only accept you there. “Apply” opens the online application of our partner VGK24 further down this page, with the insurer already selected.
| Insurer | Additional contribution | Total rate | Open in | Online application |
|---|---|---|---|---|
| BKK firmus | 2.18% | 16.78% | Baden-Württemberg, Bavaria, Berlin, Bremen, Hamburg, Hesse, Lower Saxony, North Rhine-Westphalia, Saxony, Saxony-Anhalt | Apply → |
| AOK Rheinland-Pfalz/Saarland | 2.47% | 17.07% | Rhineland-Palatinate, Saarland | Apply → |
| BKK Faber-Castell & Partner | 2.48% | 17.08% | Bavaria | Apply → |
| hkk | 2.59% | 17.19% | nationwide | Apply → |
| Audi BKK | 2.60% | 17.20% | nationwide | Apply → |
| AOK Bayern | 2.69% | 17.29% | Bavaria | Apply → |
| Techniker Krankenkasse (TK) | 2.69% | 17.29% | nationwide | Apply → |
| BKK Schwarzwald-Baar-Heuberg | 2.79% | 17.39% | Baden-Württemberg | Apply → |
| AOK Sachsen-Anhalt | 2.89% | 17.49% | Saxony-Anhalt | Apply → |
| HEK | 2.89% | 17.49% | nationwide | Apply → |
| AOK Hessen | 2.98% | 17.58% | Hesse | Apply → |
| AOK Niedersachsen | 2.98% | 17.58% | Lower Saxony | Apply → |
| AOK Baden-Württemberg | 2.99% | 17.59% | Baden-Württemberg | Apply → |
| AOK NordWest | 2.99% | 17.59% | North Rhine-Westphalia, Schleswig-Holstein | Apply → |
| BKK Freudenberg | 2.99% | 17.59% | Baden-Württemberg, Bavaria, Berlin, Hesse, Lower Saxony, North Rhine-Westphalia, Rhineland-Palatinate, Saxony | Apply → |
| AOK PLUS | 3.10% | 17.70% | Saxony, Thuringia | Apply → |
| DAK-Gesundheit | 3.20% | 17.80% | nationwide | Apply → |
| AOK Bremen/Bremerhaven | 3.29% | 17.89% | Bremen | Apply → |
| AOK Rheinland/Hamburg | 3.29% | 17.89% | Hamburg, North Rhine-Westphalia | Apply → |
| BARMER | 3.29% | 17.89% | nationwide | Apply → |
| Salus BKK | 3.29% | 17.89% | nationwide | Apply → |
| BKK EUREGIO | 3.39% | 17.99% | Hamburg, North Rhine-Westphalia | Apply → |
| IKK gesund plus | 3.39% | 17.99% | nationwide | Apply → |
| BKK Gildemeister Seidensticker | 3.40% | 18.00% | nationwide | Apply → |
| BKK Herkules | 3.48% | 18.08% | Bavaria, Hesse, Lower Saxony | Apply → |
| R+V BKK | 3.49% | 18.09% | nationwide | Apply → |
| AOK Nordost | 3.50% | 18.10% | Berlin, Brandenburg, Mecklenburg-Western Pomerania | Apply → |
| BKK mkk | 3.50% | 18.10% | nationwide | Apply → |
| novitas bkk | 3.60% | 18.20% | nationwide | Apply → |
| BAHN-BKK | 3.65% | 18.25% | nationwide | Apply → |
| SKD BKK | 3.65% | 18.25% | Baden-Württemberg, Bavaria, Berlin, Bremen, Hamburg, Hesse, Lower Saxony, North Rhine-Westphalia, Saarland, Saxony, Schleswig-Holstein | Apply → |
| BIG direkt gesund | 3.69% | 18.29% | nationwide | Apply → |
| Pronova BKK | 3.70% | 18.30% | nationwide | Apply → |
| KKH | 3.78% | 18.38% | nationwide | Apply → |
| Bergische Krankenkasse | 3.79% | 18.39% | Hamburg, Hesse, North Rhine-Westphalia | Apply → |
| BKK ProVita | 3.79% | 18.39% | nationwide | Apply → |
| vivida bkk | 3.79% | 18.39% | nationwide | Apply → |
| SBK | 3.80% | 18.40% | nationwide | Apply → |
| IKK classic | 3.85% | 18.45% | nationwide | Apply → |
| mhplus BKK | 3.86% | 18.46% | Baden-Württemberg, Bavaria, Berlin, Bremen, Hamburg, Hesse, Mecklenburg-Western Pomerania, Lower Saxony, North Rhine-Westphalia, Rhineland-Palatinate, Saarland, Saxony, Schleswig-Holstein, Thuringia | Apply → |
| IKK Südwest | 3.87% | 18.47% | Hesse, Rhineland-Palatinate, Saarland | Apply → |
| BKK Mobil | 3.89% | 18.49% | nationwide | Apply → |
| BKK VerbundPlus | 3.89% | 18.49% | nationwide | Apply → |
| BKK melitta hmr | 3.90% | 18.50% | Baden-Württemberg, Bavaria, Brandenburg, Bremen, Hesse, Lower Saxony, North Rhine-Westphalia, Saxony, Saxony-Anhalt, Schleswig-Holstein | Apply → |
| BKK Pfalz | 3.90% | 18.50% | nationwide | Apply → |
| Heimat Krankenkasse | 3.90% | 18.50% | nationwide | Apply → |
| SECURVITA BKK | 3.90% | 18.50% | Baden-Württemberg, Bavaria, Berlin, Brandenburg, Hamburg, Hesse, Mecklenburg-Western Pomerania, Lower Saxony, North Rhine-Westphalia, Rhineland-Palatinate, Saxony, Saxony-Anhalt, Schleswig-Holstein, Thuringia | Apply → |
| energie-BKK | 3.98% | 18.58% | nationwide | Apply → |
| BKK Wirtschaft & Finanzen | 3.99% | 18.59% | Baden-Württemberg, Bavaria, Berlin, Brandenburg, Bremen, Hamburg, Hesse, Lower Saxony, North Rhine-Westphalia, Rhineland-Palatinate, Saarland, Saxony | Apply → |
| VIACTIV Krankenkasse | 4.19% | 18.79% | nationwide | Apply → |
| IKK – Die Innovationskasse | 4.30% | 18.90% | nationwide | Apply → |
| Knappschaft | 4.30% | 18.90% | nationwide | Apply → |
| BKK24 | 4.39% | 18.99% | nationwide | Apply → |
Additional contribution 2026 according to the list of health insurers published by the GKV-Spitzenverband, retrieved on 1 November 2026. Listed are the 53 insurers we arrange via our partner VGK24 (out of 71 insurers open to the public) – sorted by additional contribution, not by remuneration. You will find all insurers in the full list. Benefits differ – compare contribution and benefits before you decide.
