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.

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 €470, or €470 if you are employed and are a very low earner. 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 2022:

Students under 23 and students with children: €109.57
Students 23 and older who do not have children: € 112.20

Additional attractive benefits for you

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 €470, or €450 if you are employed and are a very low earner. You can get affordable health insurance through SBK as a student up until the end of the semester in which you turn 30. 

You can find an overview here of the monthly contributions for health and nursing care insurance at SBK 2022:

Students under 23 and students with children: €109.57
Students over 23 and without children: €112.20

The student contribution is based on the level of the student grant (BAföG). Since this is being increased in the winter semester 2021/2022 due to changes in legislation, the student contribution will also increase.

Whether there are more deductions – such as pension or unemployment insurance – due to a student job, traineeship or work placement can be determined quickly and easily using our special free online service, the
SBK assessment tool.

Go to the SBK assessment tool

Are you working as a freelancer at the same time as studying? If so, you can use our SBK freelancer tool to see whether there may be any changes to your health insurance status due to varying hours and income and other student jobs. Just click here:

Go to the SBK freelancer tool

Questions about insurance cover for students