Student health insurance cost calculator
See which insurance regime applies to you in Germany and what it likely costs per month. Built for incoming students, enrolled students, and working students near the 20-hour rule.
Your situation
Uses public 2026 rates and student eligibility rules.
Income type
Children
You likely fit the statutory student tariff
Enrolled students under 30 usually pay the KVdS student tariff while they stay within the working student rules. The amount varies slightly by age, children, and insurer surcharge.
Estimated cost
146,29 €
per month
Family income limits
Family insurance uses 565 € for regular income and 603 € for mini-job income in 2026.
20-hour rule
The cheap student tariff depends on student status. Regular lecture-period work above 20 hours can trigger employee contributions.
Current source basis
Rates are anchored to TK student contribution tables, TK family-insurance limits, gesund.bund, and DRV guidance.
Compare private student insurance
ottonova is the health-insurance partner on this site. Compare terms carefully before leaving statutory insurance.