Trainees and school pupils

As a school pupil you are usually covered by your parents’ health insurance. But once you become a trainee, this may need to change. As a trainee you are usually insured as an employee would be.

School pupils

As a school pupil you are usually covered free of charge by your parents’ health insurer until you reach the age of 25 – but only under certain conditions. Find out in detail whether you meet these requirements for family insurance.

If family insurance is not possible for certain reasons, you can get your own insurance with us. 

Summer jobs

Planning to work during the period between school and training? Then it is essential to get health insurance before starting your summer job. We’ll be happy to welcome you!

If you only wish to keep your job during school holidays and will not earn more than €538 (2024) per month, nothing changes for you. If, on the other hand, you earn more than €538 (2024) per month, you will be considered an employee.

Work placements

If you are a school pupil on a work placement, you are generally covered by your parents’ insurance. This also applies to other work experience opportunities for school pupils – as long as you do not earn more than €538 (2024) per month.

Trainees

When you enter the working world, it's time for you to get your own heath insurance.

The contributions you pay for nursing care and health insurance during your training are calculated from your income. The SBK contribution rate in 2024 is 16.3%. Of that, your employer pays half.

The contribution rate for nursing care insurance is 3.4%. Once you turn 23 years old, the contribution rate increases by 0.6 points to a total of 4.0% if you do not have any children. Of that, your employer pays 1.7% in each case.

Sample calculation

Assuming that your monthly income as a trainee is €600, your insurance contributions with SBK would be like the following:

Health insurance: €600.00 x 8.15% = €48.90 
Nursing care insurance: €600.00 x 1.7% = €10.20
Total per month: €59.10*

*Your employer also chips in with an additional €59.10 for your nursing care and health insurance.

Your employer transfers the contributions directly to us. Contributions for pension and unemployment insurance that are paid first to us are then passed on immediately to the responsible insurer. If you do not earn more than €325 during your training, you do not pay any contributions. In this case your employer pays all contributions for you.

Vocational students

If you are attending a vocational college, you are considered a vocational student. During your vocational training you can generally be covered by your parents’ insurance free of charge. 

As soon as you reach the age of 25, you can benefit from the affordable vocational student tariff with SBK.

Your monthly SBK contributions with the vocational student tariff:

*Individuals who are 23 or older and do not have children pay an additional amount for nursing care insurance.