Student Health Insurance Calculator

In 2026, students enrolled at German universities who are under 30 pay a standard rate to statutory health insurance (GKV). Total monthly costs range from approximately €140 to €152 depending on provider and age — this includes health insurance (Krankenversicherung) of about €111–€117/month plus long-term care insurance (Pflegeversicherung) of €30.78–€35.91/month. TK (Techniker Krankenkasse) and AOK are among the most affordable options. Students under 25 whose parents are GKV members may qualify for free family insurance.

Yes, if you meet all these conditions: you are under 25 years old, your parents are members of a German statutory health insurer (GKV), your own monthly income does not exceed €603, you study full-time, and you are not married. If all conditions are met, you pay €0 — family insurance (Familienversicherung) covers you completely. This free coverage ends the day you turn 25, so you must enroll in student GKV immediately after.

Yes, absolutely. Health insurance is legally mandatory for every student at a German university. Without proof of valid health insurance, you cannot complete enrollment (Immatrikulation). The university's enrollment office requires you to present either a GKV membership confirmation or a proof of exemption (if you have private insurance PKV). International students from outside the EU typically must join a German GKV unless their home country has a social security agreement with Germany.

GKV (Gesetzliche Krankenversicherung) is public statutory health insurance — the standard choice for most students. It charges flat student rates (~€140–152/mo) regardless of health status. PKV (Private Krankenversicherung) is private health insurance — generally cheaper for very young, healthy students but much more expensive as you age. Switching back from PKV to GKV after studies is difficult, so most student advisors recommend staying in GKV unless you have specific reasons for PKV.

No, as long as your work is classified as 'student priority' — meaning studies remain your main activity and you work no more than 20 hours per week during term time. Under these conditions, you keep paying the low student GKV rate. However, if you work more than 20 hours per week for more than 26 weeks per year, or earn above the threshold that makes employment your primary activity, you lose student status and must pay full employee contribution rates, which are significantly higher.