Your studies – your health insurer
Keeping your future in focus
Studying at university is a new phase in life, which along with new knowledge raises new considerations as well – such as how your health insurance is affected. What do you need to keep in mind if you plan on working while studying or want to do a semester abroad? SBK is on your side, so you can have peace of mind while you concentrate on what really counts. Your personal consultant is always available to help you, both online and offline, with useful tips and answers to any questions you may have, as well as access to excellent services and benefits relating to your health.
Your course of study has begun and now you’re wondering about insurance cover? We’ll give you fast, individual and personal advice no matter what your question is. Simply contact our consultants directly. Call us on 0800 072 572 587 00 (free of charge within Germany) or send us a message.
Our contribution for students
Studying at university raises new questions and challenges. That’s why we’ve created a service package specially tailored to students that combines personal advice, useful tips and excellent care. Your personal consultant is always on your side, so you can make well-informed decisions and enjoy the peace of mind of knowing you’re in safe hands.
There are alternatives to family insurance
Ideally you don’t even have to worry about health insurance until you reach the age of 25, as until then you are generally covered by your parents’ health insurance as a student at no extra cost. There are exceptions to that, though: you have a monthly income that exceeds €505. You can get affordable health insurance through SBK as a student. You are eligible for student health insurance until the end of the semester in which you turn 30 years old.
You can find an overview here of the monthly contributions for health and nursing care insurance at SBK 2024:
Students under 23 and students with children: €124.40
Students 23 and older who do not have children: €129.27
Additional attractive benefits for you
Safe with SBK – free contraception
We cover the costs of prescription contraceptives, such as the pill or coil, for girls and young women up to the age of 22. The costs are covered directly by us – upon presentation of the prescription.
SBK Online health classes
Our many different online health classes, available at home on your smartphone, tablet or laptop – such as stress management with 7Mind or certified online fitness classes – help you have fun as you stay fit and healthy. You can receive an allowance of 75% (up to a maximum of €80 per class) twice a year.
SBK Fitness Check
The SBK 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.
SBK work placement tool
Are you a student with a part-time job? How does this affect your social security status? It’s nice to know what you have to keep in mind – individual, free of charge and certain. With the SBK Tool for Working Students, we have developed a smart solution for you. Simply enter your information and view your insurance results online. This will ensure you always stay on the safe side.
Travel protection
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 70% of the costs of recommended travel vaccinations and malaria prevention as an extra service.
Questions about insurance cover for students
Students with an income below €505 (value 2024) per month (or €538 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.
To get the most affordable student tariff as a student who is also self-employed, the following is important: you must not work more than 20 hours per week.
