For students, eligibility largely depends on age. Here’s a brief overview:

Health Insurance for Students

Option A: Free Family Insurance
Free family insurance through your parents under the public health system (if eligible).

Option B: Public Student Tariff
If family insurance is not possible, students can take out the public student tariff (GKV Studententarif) at a reduced monthly rate of around €145.

Option C: Private Health Insurance
Within three months of enrolment, students can apply to opt out of public health insurance and take out private coverage instead. This choice is binding for the entire duration of your studies.

For international students with a temporary stay in Germany, private health insurance offers affordable student plans, with premiums starting at around €70.

Up to age 25:

Age 25 - 30:

From age 30 onwards:

Free Family insurance is no longer possible.

Option A: Public Student Tariff
Public student tariff (GKV Studententarif) at a reduced monthly rate of around €145.

Option B: Private Health Insurance
Within three months of enrolment, students can apply to switch from public to private health insurance. This choice is binding for the entire duration of your studies.

Please note that this overview does not cover special regulations. You’ll find more detailed answers in the FAQ section for students.
Of course, I’m happy to provide individual and independent advice.

Public Student Tariff is no longer possible.

Option A: Public Voluntary Insurance
If you already have public health insurance, you can continue it on a voluntary basis, with a minimum contribution of about €260.

Option B: Private Health Insurance
If you’re over 30 and do not have public health pre-insurance in Germany or another EU country, you’ll need to take out private health insurance.

• For international students in Germany:
  Private health insurance (PKV) offers affordable student plans starting at around €120.

• For German students:
  Premiums typically start at around €150, depending on the coverage selected.

• For international students in Germany:
  Private health insurance (PKV) offers affordable student plans starting at around €70.

• For German students:
  Premiums typically start at around €100, depending on the coverage selected.