Your studies – your health insurance
Studying at university is a new phase in life that brings with it not only new knowledge but also new considerations - for example, how this will affect your health insurance. SBK is there to support you so that you can concentrate on what's important. Your personal advisor is available online and offline at any time with useful tips and answers to your questions, and offers you access to excellent services and benefits related to your health.
For working students
Would you like to start an internship or work alongside your studies or going abroad? If so, your insurance status may change. Use the SBK tool for working students to quickly check your status and get clearity.
Strong benefits for students at SBK
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.
FAQ about insurance cover for students
Students with an income of up to €565 per month are usually covered by family insurance. Students with a higher income or aged 25 or over must take out their own health insurance.
During your studies, you will generally remain covered by your family's insurance until your 25th birthday. The prerequisite for this is that your monthly income does not exceed €565. If you are performing basic military service or voluntary service, your parents' contribution-free health insurance can be extended by up to 12 months. We will be happy to advise you on this so that we can find the right solution for you.
From this point on, you must take out your own health insurance. In this case, student health insurance is the cheapest option for you until the end of the semester in which you turn 30. For students who insure themselves, the contributions are €155.78. We will be happy to advise you and find a package tailored to your individual needs.
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.
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