Student health insurance (KVdS)

Studentische Krankenversicherung (KVdS) ·Gerido por Gesetzliche Krankenkassen

Students in Germany get their own low statutory tariff, the KVdS. In 2026 it combines a base premium of €87.38, your insurer's supplementary contribution, and long-term-care insurance of €30.78 (under 23 or with a child) to €35.91 (childless, 23+) — landing at roughly €120–150 per month in total. Before that, most students are insured for free through their parents' family insurance, generally until 25. International students are covered on equal terms; for EU students the EHIC card may substitute.

Quem tem direito

Enrolled at a German higher-education institution
KVdS runs until your 30th birthday
Free family insurance generally until 25, subject to income limits
Opting out to private insurance is only possible within 3 months of first enrollment

Como candidatar-te

Choose a statutory Krankenkasse and request the student tariff when you enroll.

Prazos: Private opt-out only within 3 months of first enrollment

Fontes

Krankenversicherung der Studenten (KVdS) — vdek — Verband der Ersatzkassen (consultado em 10 de julho de 2026)
GKV-Spitzenverband — GKV-Spitzenverband (consultado em 10 de julho de 2026)

Última verificação 10 de julho de 2026