Students Health Insurance

We cover the costs of prescription contraceptives such as the pill or coil for girls and young women up to the age of 22. We cover the costs directly – upon presentation of the prescription.

Our wide range of online health courses, which you can complete at home on your smartphone, tablet, or laptop - such as stress management with 7Mind or certified online fitness courses - help you have fun while staying fit and healthy. You can receive a 75 % allowance (up to a maximum of € 80 per course) twice a year.

The Fitness Check will tell you how fit you are, and which is the best training level to suit you. You can have one of these sports medicine examinations once every 24 months, for which you can claim an allowance of € 140 maximum.

Get all-round protection when you travel – we’ll share the cost of your travel vaccinations. We think it’s important that you come back healthy from your travels. That’s why we cover 100% of the costs of recommended travel vaccinations and malaria prevention as an extra service.

Students with an income below €535 (value 2025) per month (or €556 if they are employed and are very low earners) are usually covered by family insurance. Students with a higher income or students over the age of 25 must get their own health insurance.

As a student, you are generally covered by family insurance until you reach the age of 25. In order to remain covered during that time, your monthly income must not exceed €505, or €538 if you are employed and are a very low earner. If you have served in the armed forces or done voluntary service, your cover under your parents’ health insurance can be extended accordingly at no extra cost. We will be happy to advise you on this so we can find the right solution for you.

From this point you must get your own health insurance. Student health insurance in this case is the most cost-effective choice for you. You are eligible for student health insurance until the end of the semester in which you turn 30 years old. For students 23 years of age and older who have no children and have their own insurance, the contributions are €129.27 We will be happy to advise you on this and come up with a package that is tailored to your individual situation.

As soon as you get a job as a student – whether that is a traineeship or a work placement – you should have your social security status checked. To save you time, we have a special service for you: the SBK Tool for Working Students. You can use this free online tool to quickly and easily check whether you are required to get social security cover or not.