Insurances
Health, pension and accident insurance are particularly relevant for students. You can find out everything you need to know about these topics here. If you have any questions or need further information, you can contact our student life advisor on site.
When taking a job, pension insurance is now always compulsory (the only exception is short-term employment).
In marginal employment, the pension contribution amounts to 3.6 percent of the gross wage; in the sliding zone, the contributions for employees gradually rise to 9.35 percent and are then as high as the contributions of employers with more than 1300 monthly earnings.
As a marginally employed person, however, you can be exempted from compulsory pension insurance and thus have your wages paid out in full. You can find the application online at Minijob-Zentrale.
In order to be able to enroll at a university, you must have health insurance and present a corresponding confirmation. This so-called compulsory insurance ends when you are at least 30 years old.
You are insured by law...
Up to and including the age of 24
- Family insurance: free of charge via parents
- Jobbing: unlimited number of hours; max. 470 € net or 450 € from mini-job/month, otherwise student rate
25 to 29 years
- extended family insurance if applicable
- Extension by max. 12 months possible in case of military service or other statutory voluntary service (BFD, FSJ, ...).
- Children with disabilities are included in the family insurance as long as they cannot support themselves due to their disability.
- Student tariff: approx. 102 €/ month + additional contribution
- Jobbing: no income limit; max. 20 hours/ week, unless you job mainly in the evenings, weekends, semester breaks. If you work more, talk to your insurance company to see if you can continue to be insured at the student rate.
From the age of 30
- if necessary extended student tariff: approx. 97 €/ month + additional contribution
- The insurance company will decide on an extension on a case-by-case basis. Possible reasons: personal reasons (illness, disability, pregnancy, childcare); care of relatives; FSJ, FÖJ, BFD, military/civilian service; acquisition of the university entrance qualification via the second educational path; participation in university committees (AStA, etc.).
- Voluntary health insurance: approx. 153 €/ month + additional contribution
- According to the student tariff, you are automatically insured on a voluntary basis. If you do not want this, you can apply for it in due time. However, certain requirements must be met for voluntary insurance: Immediately prior to starting voluntary insurance, you must have had family insurance or membership for at least twelve months, or you must have demonstrated a prior insurance period of 24 months in the last five years.
- Jobbing: unlimited number of hours; max. approx. 1097 €/ month, otherwise higher insurance contribution
You are privately insured...
- You can change to the student tariff of the statutory health insurance upon enrollment or
You can be exempted from compulsory insurance within three months after enrollment and continue to be privately insured. This could be an option for you if your parents are civil servants or self-employed. If you receive benefits through your parents in case of illness, please keep in mind that the entitlement to benefits ends when you reach the age of 25 (end of child benefits) and full coverage through private health insurance becomes necessary. Depending on the tariff, this can be significantly more expensive than the contributions to the statutory health insurance for students. But beware. The exemption is a final decision for the duration of your studies, it cannot be reversed! You will remain privately insured until you take on a job that is subject to compulsory insurance after graduation. Before the exemption, you should in any case get detailed advice from a public health insurance!
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