Apprentices
The start of your career marks the beginning of a new phase in your life. It's good if your health insurance is now just as reliable as your decision for the right job. ZF BKK supports you with strong benefits, personal advice and fair contributions. So that you can concentrate fully on your training.
Your benefits with ZF BKK
- Health bonus: For every preventive measure or healthy activity, you receive a €10 bonus - with no limit.
- Digital doctor's consultation: TeleClinic gives you access to medical advice around the clock. Whether you're at home, on the move or abroad.
- Travel vaccinations: We contribute up to €250 a year towards recommended vaccinations for abroad.
- Optional premium payment plan: Get up to €350 a year back if you do not make use of any other benefits apart from preventive check-ups.
- Contraception: Costs covered for the pill and IUD up to your 22nd birthday.
- HPV vaccination: Full cost coverage - regardless of age.
- Alternative medicines: Up to €100 reimbursement per year for homeopathy and more.
Contribution rate - what you should know
The amount of your contributions depends on your training salary and is paid half by you and half by your employer:
- Health insurance: 18.00 % (14.60 % general contribution rate + 3.40 % individual supplementary contribution rate)
- Long-term care insurance: 3.60
- from the age of 23 and without children: 4.20% - Good to know: If your salary is less than € 325 per month, your employer pays the contributions in full.
Criteria for the insurance
- You are free to choose your health insurance fund within two weeks of starting your training. If you do not make a choice, your employer will register you with your previous health insurance fund.
- If you are training at school without remuneration, you will remain covered by family insurance until the age of 25.
Frequently asked questions
Legislation stipulates a co-payment for certain services - the so-called co-payment. This applies to all insured persons aged 18 and over. However, no one should be financially overburdened by co-payments. For this reason, you can be exempted from further co-payments under certain conditions. You can find out more here.
Whether it's an internship, voluntary service or a social year - the transition between school and work involves many individual situations. We show you what happens to your health insurance during these phases:
- Pre-employment internship
If you do not receive any remuneration, you remain covered by your parents' family insurance. In the case of paid internships, you are covered by your own health insurance - just like trainees. - Voluntary military service
During your voluntary military service, your family insurance continues to apply. During this time, medical care is provided by the Bundeswehr. - Federal voluntary service
If you decide to do Federal Voluntary Service, you are treated as a trainee under insurance law. Contributions to health, nursing care, pension, accident and unemployment insurance are paid by your place of assignment. - Voluntary social year abroad
During a social year abroad, you can - depending on your income - continue to be covered by family insurance. Please contact us before you leave so that we can clarify your insurance cover abroad together. - Youth Voluntary Service (FSJ)
If you receive pocket money or benefits in kind such as meals or accommodation during your FSJ, you are required to be insured in all branches of social security. These contributions are paid by your place of assignment.
In the case of a completely unpaid assignment, family insurance may continue to exist via a parent or spouse - up to the age of 25.
