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7 days / 24h toll-free within Germany 

0800 072 572 587 00
8 a.m. to 8 p.m. toll-free within Germany

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Trainees and school pupils

Contribution information for 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.

Eine Gruppe von Studentinnen und Studenten lernt zusammen im Wohnzimmer.

Your benefits with SBK:

  • With SBK you are assigned a personal consultant who provides you with individual advice and helps you find the right services for you. 
  • Stay healthy and fit with a wide range of online health courses
  • Fitness check every 24 months with a subsidy of up to €140
  • Everything important via app with Meine SBK
  • Not an SBK member yet? Book a free consultation appointment now

     

    Contributions for health and nursing care insurance for school pupils and trainees 2024

    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:

    Type of insurance

    01.01.2024-30.09.2024from 01.10.2024

    Health insurance

    €96.79€101.92

    Nursing care insurance without additional payment*

    €27.61€29.07

    Nursing care insurance with additional payment*

    €32.48€34.20
    *Individuals who are 23 or older and do not have children pay an additional amount for nursing care insurance.

    0800 072 572 572 50

    7 days / 24h toll-free within Germany 

    0800 072 572 587 00
    8 a.m. to 8 p.m. toll-free within Germany

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