Students

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:

Family insurance
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.

Student health 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.

  • As a basic principle, short-term temping jobs are exempt from insurance.
  • Short-term means a maximum length of 2 months or 50 workdays in a calendar year.
  • Even if several time-limited temping jobs are taken, they remain exempt from contributions.

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.

Volume of employment up to 2 months/ 50 workdays:

  • Exemption from insurance regarding:
  • Health insurance
  • Long-term care insurance
  • Pension insurance
  • Employment promotion law

Volume of employment over 2 months/ 50 workdays:

  • Exemption from insurance regarding:
  • Health insurance
  • Long-term care insurance
  • Employment promotion law
  • Insurance obligation regarding:
  • Pension insurance

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.

Part-time jobs up to 20 hours per week

With a monthly income of up to €450.00:

  • Exemption from insurance regarding:
  • Health insurance
  • Long-term care insurance
  • Pension insurance
  • Employment promotion law

With a monthly income of €450.01 or more:

  • Exemption from insurance regarding:
  • Health insurance
  • Long-term care insurance
  • Employment promotion law
  • Insurance obligation regarding:
  • Pension insurance

Part-time jobs with more than 20 hours per week

With a monthly income of up to €450.00

  • Exemption from insurance regarding:
  • Health insurance
  • Long-term care insurance
  • Pension insurance
  • Employment promotion law

With a monthly income of €450.01or more:

  • Insurance obligation regarding:
  • Health insurance
  • Long-term care insurance
  • Pension insurance
  • Employment promotion law

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.

  • Registration at the University of Applied Sciences (Start of semester: 1 March or 1 September) or the University (Start of semester: 1 April or 1 October). Caution! Confirmation of insurance from your VIACTIV is needed for this.
  • Submission of the certificate of insurance status to the responsible BAföG office
  • Apply for exemption from payment of TV licence fees
  • Make use of special offers on local public transport specially for students
  • Submission of semester certificate to your VIACTIV
  • Obtain login data and passes for libraries and the university network
  • In the case of a student job, quickly and easily request a membership certificate from the health insurance fund to present to the employer
  • Find out important dates
  • Obtain lecture schedule
  • Draw up timetable
  • Register for relevant lectures