Health insurance for students | Private health insurance

Health insurance for students

Students become subject to compulsory insurance at the beginning of their first semester of study. However, they are free to choose which insurance they join. It is possible for them to be exempted from compulsory insurance at the beginning of their studies and to join a private health insurance company.

For students, private health insurance policies are often very inexpensive. They receive many benefits and advantages, for example a refund of contributions if they have not incurred any health costs within a year. If students are co-insured by their parents, either legally or privately, they can remain insured free of charge during their studies. Previously privately insured students can be exempted from the obligation to take out insurance and remain privately insured through their family.

Health insurance for children

The health insurance of the child depends on the parents and should be considered before the birth. If both parents are privately insured, the child is automatically included in the private insurance. It is then not possible to insure the child by law.

If only one parent is privately insured, the child can be included in the private insurance free of charge, as long as the privately insured person does not earn more than the statutory 56. 250€ (as of 2016). If so, a separate contribution must be paid for the child.

In both cases, the parents can decide whether the child should be insured by law or privately. If neither of the parents has private insurance, the child is first covered by the statutory family insurance. The parents can still decide whether the child should be insured privately.

Private health insurance companies offer insurance coverage for such cases. The admission is then carried out similar to that of an adult by means of a health examination. Consequently, the private insurance also charges a separate contribution for the child. Further helpful information can be found under: Three days of fever in a baby – is that dangerous?