students
University is a time full of opportunities—but also full of questions, especially when it comes to health insurance. ZF BKK is there to support you throughout your studies. Whether you need to see a doctor, get vaccinated, or have financial questions, we are here to help.
Your advantages with ZF BKK
- Health bonus: You receive a €10 bonus for every preventive measure or healthy activity – with no limit.
- Digital doctor's appointment: With TeleClinic, you have access to medical advice around the clock. Whether from home, on the road, or abroad.
- Travel vaccinations: We contribute up to €250 per year toward recommended vaccinations for travel abroad.
- Optional premium payment: Receive up to €350 per year back if you do not use any services other than preventive medical checkups.
- Contraception: Coverage for the pill and IUD until your 22nd birthday.
- HPV vaccination: Full coverage of costs – regardless of age.
- Alternative medicines: Up to €100 reimbursement per year for homeopathy and more.
How to get insurance during your studies
Family insurance
Until the end of your 25th year, you can remain covered by your parents' family insurance free of charge. If you have completed military service or statutory voluntary service, family insurance may be extended beyond the age of 25 for the duration of your service.
Health insurance for students
As long as you are enrolled at a state or state-recognized university, you can insure yourself at low premiums – with full entitlement to benefits. The insurance begins at the earliest on the day of enrollment, at the latest at the beginning of the semester. When you finish your studies, your student health insurance will continue until the end of the semester.
Contribution rate
- Health insurance: €116.45 per month
- Long-term care insurance: €30.78 with children and for those under 23 / €35.91 without children
Contribution subsidy
If you receive BAföG, you can obtain a subsidy for health and long-term care insurance from the Office for Educational Assistance.
Download membership application for students
Voluntary health insurance
If you are over 30 years of age, you can continue your membership with ZF BKK as a voluntarily insured person. Your insurance status will change, but you will continue to be well covered. Please contact us, we will be happy to advise you.
Application for voluntary insurance Contribution rates for voluntary insurance
Frequently asked questions
Yes! The following are reasons for extending health insurance for students:
- Illness
- Disability
- Birth of a child
- Care of disabled or sick relatives
- Employees on the university committee
- Non-admission to studies
- Basic military/civilian service
- Voluntary social year
- Secondary education
- Federal Voluntary Service (BFD)
- Comparable recognized voluntary services (e.g., International Youth Voluntary Service)
The prerequisite for extension beyond the semester limit is that the reason arose during your studies. Do you have any questions? We are happy to advise you. Contact us
The law stipulates that certain services are subject to a co-payment. This applies to all insured persons aged 18 and over. However, no one should be financially overburdened by co-payments. Under certain conditions, you can therefore be exempted from further co-payments. You can find out more about this here.
The insurance coverage depends on the number of hours you work per week, your income, and the duration of your employment. If you would like more detailed information, please contact us.
Mini-job
You may earn up to €603.00 per month, regardless of the number of hours worked.
Short-term employment
You remain insured as a student if your employment is limited to a maximum of 3 months (70 working days) per year from the outset.
Working students
You remain insured as a student regardless of how much you earn, but you may not work more than 20 hours per week.
Please note that your earnings may affect your non-contributory family insurance if your monthly salary exceeds the limit of €565.00. Please consult us in advance.
Other special cases
Orphan's pension
If you receive an orphan's pension, you are insured free of charge as an orphan's pensioner until you reach the age of 25. This can be extended for a maximum of 12 months if you have completed civilian, military, or voluntary service. After that, your insurance will be converted to student insurance.
Dual study
As a student at a dual university, you are subject to compulsory insurance as an employee.
