At university matriculation, students are told: No health insurance = no student ID. We can provide you with the necessary evidence for this in a jiffy. You simply need to know what type of insurance is an option for you:
Students aged up to 25 can remain on their parents’ health insurance. As the case may be, this time may be extended through military or civilian service.
Additional income: Family-insured students may earn up to an additional €385, and if registered as a mini-job, even up to €450. If the earnings exceed this, however, they must take out student insurance or voluntary insurance.
The significantly reduced contribution in the case of student health insurance is uniform throughout Germany and, according to employment promotion law, is valid from the student’s 25th to 30th birthday (as a maximum, however, until the completion of the 14th semester). However, this period may also be extended further in cases of personal hardship (e. g. birth of a child, illness, care of dependents).
Additional income: during the semester break students may do (casual) jobs as much as they want – no additional health insurance contributions become payable. During the semester, those with student insurance may only work up to 20 hours per week.
Jobs that are done solely during the semester break are generally exempt from insurance in terms of health insurance, long-term care insurance and according to employment promotion law, even if these are for over 20 hours per week.
Regarding pension insurance, there is only exemption from insurance if it is a short-term employment.
Ashort-time employment is limited to a maximum length of 2 months or 50 workdays in a calendar year.
Non-time-limited student jobs are contribution-exempt in terms of health insurance, long-term care insurance and according to employment promotion law if the study course has priority, i.e. no more than 20 hours per week must be spent on the part-time job.
In terms of pension insurance, there is only exemption from insurance if the monthly pay does not exceed the threshold of a maximum of €450.00.
The first semester is about to begin – and you are completely or even just a bit disoriented. Your knees are trembling. Will you get beaten up by the older students? Are the professors evil and mean? Where are the toilets? Then you discover this checklist for people starting university. Slowly you feel on less shaky ground. You can finally laugh again. Everything will be ok.
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