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 (value 2021), 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:

Students under 23 and students with children: €109.57
Students 23 and older who do not have children: € 111.45

Questions about insurance cover for students

Students with an income below €455 (value 2020) per month (or €450 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 €455 (value 2020), or €450 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 €111.45. 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 assessment tool. 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. Your student tariff is also only valid if your income does not exceed €1,061,67 (value 2021 = €1,096,67) per month. If your monthly income is higher than that, we will be happy to check your individual insurance status.

SBK was able to provide great advice on any topic: first, when I moved to England and wanted to retain my SBK insurance, and later, when I travelled to Thailand and Singapore. The information on vaccinations was especially helpful!

Felix Drews Student

"With the right consultant, you can ultimately clarify any matter – like in Mr Drews’ case, for example, when he moved to England and then wanted to travel. What’s important is that our customers get quick answers and we save them time by sorting out anything we can for them."

Michael Zaubzer
SBK Overseas Consulting

SBK-Auslandsberatung Michael Zaubzer