Students with Audi BKK pay 109.61 € a month for statutory health insurance in 2026. With care insurance the total is 140.39 € (under 23 or with a child) or 145.52 € (23 or older, no children). The fund is open nationwide. Student cover ends with the semester of your 30th birthday, after which the voluntary minimum contribution without children is 274.21 €.
At a glance: the facts about Audi BKK for students
| Item | Value |
|---|---|
| Additional contribution 2026 | 2.60 % |
| Area of operation | open nationwide, BKK |
| Student insurance under 23 (health and care) | 140.39 € a month |
| Student insurance from 23, no children (health and care) | 145.52 € a month |
| Voluntary minimum contribution from 30, no children | 274.21 € a month |
| Voluntary minimum contribution from 30, with a child | 266.30 € a month |
| Source and status | Additional contribution from the GKV-Spitzenverband health fund list, status 24 October 2026. Contributions calculated by us on the basis of the 2026 reference figures. The Audi BKK student page states the amounts for health and care insurance (109.61 € and 30.78 €, or 35.91 € from 23) and the additional contribution of 2.6 %, retrieved 25 October 2026, no update date stated. |
These amounts apply to compulsory statutory student insurance. The additional contribution is set by each fund and can change, usually at the turn of the year. The rate that Audi BKK itself publishes is the binding one. The page gives no amounts for voluntary insurance from 30, so both minimum contributions come from the calculation based on the 2026 reference figures.
Audi BKK admits students who are enrolled at a state or state-recognised university. The page gives no further details on admission. For an overview of the contributions of all funds, see the hub Health funds for students: all funds at a glance (in German).
What does Audi BKK cost for students?
Audi BKK does not offer a freely selectable student tariff. It provides statutory student health insurance (KVdS, Krankenversicherung der Studierenden) under one fixed formula. The contribution is based on a fixed assessment basis of 855 € a month. This amount consists of 475 € basic need and 380 € housing allowance (§ 236 SGB V) and applies even if you do not receive BAföG.
This is how the 2026 contribution is calculated:
- Assessment basis: 855.00 € a month (475 € basic need plus 380 € housing allowance).
- Basic contribution: 10.22 % of 855.00 € gives 87.38 €. The rate is seven tenths of the general contribution rate of 14.6 %.
- Additional contribution of Audi BKK: 2.60 % of 855.00 € gives 22.23 €.
- Health insurance: 87.38 € plus 22.23 € gives 109.61 €.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) from 23 without children.
- Total: 140.39 € under 23 or with a child, 145.52 € from 23 without children.
One percentage point of additional contribution corresponds to 8.55 € a month for students. The table in Additional contributions 2026 for all health funds (in German) shows how the rate compares with other funds.
What applies at Audi BKK from 25 and from 30?
Family insurance ends at 25
Until your 25th birthday you can be covered as a student through a parent who is a member of a statutory fund. This applies as long as your regular total income in 2026 does not exceed 565 € a month, or 603 € for a mini job (§ 10 SGB V). The Audi BKK also states the age limit of 25 and the income limit of 565 € on its page. The age limit can only be extended by periods of statutory or voluntary service, not by years of study. From your 23rd birthday, the care surcharge for people without children also applies, which is 5.13 € more a month. More is in the glossary Family insurance during studies (in German).
Student insurance ends at 30
Compulsory student insurance ends at the end of the semester in which you turn 30 (§ 5 para. 1 no. 9 SGB V). Since 2020 there is no maximum number of semesters, the age limit decides. The Audi BKK names exceptions, for example in case of long illness, child care, or access through the second educational pathway. Details are in Health insurance as a student over 30 and Studying at 30 (both in German).
When student insurance ends, you usually remain a voluntary member of Audi BKK, unless you can prove other cover. A minimum assessment basis then applies. This is how the 2026 minimum contribution is calculated:
- Minimum assessment basis: 3,955.00 € reference figure divided by 3 gives 1,318.33 € a month.
- Health insurance: reduced rate 14.0 % plus additional contribution 2.60 % gives 16.60 %, which is 218.84 €.
- Care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) without children.
- Total: 266.30 € with a child, 274.21 € without children.
At higher incomes the contribution is based on the actual income, up to the contribution assessment ceiling of 5,812.50 € a month.
What applies to working students and mini jobs at Audi BKK?
A working student job or mini job usually changes nothing in your insurance with Audi BKK as long as your studies come first. What counts are weekly hours and earnings.
| Situation | Effect on health insurance |
|---|---|
| Working student with at most 20 hours a week | Exempt from contributions to health, care and unemployment insurance. Student insurance continues. |
| Permanent employment of more than 20 hours a week | Compulsory insurance as an employee starts from the first day. |
| Mini job up to 603 € a month | Student insurance continues. For mini jobs the limit of 603 € applies instead of 565 €. |
During the semester break the 20-hour limit may be exceeded. The details are explained in Working student: the 20-hour rule (in German).
Which extra benefits and bonus schemes does Audi BKK list for young members?
Audi BKK lists several benefits for students on its page. We reproduce them here without comment. The amounts come from Audi BKK and may change.
- Professional teeth cleaning: up to 60 € per calendar year, covered together with the “GesundheitExtra” offer. The page names no further conditions. Source: Audi BKK, student membership group (German), retrieved 25 October 2026 (no update date stated).
- Online courses and coaching: the page names no amount and no condition. Source: Audi BKK, student membership group (German), retrieved 25 October 2026 (no update date stated).
- Optional tariff with premium payment (contribution refund): the page names no amount. Source: Audi BKK, student membership group (German), retrieved 25 October 2026 (no update date stated).
- Sports medicine examination: the page lists anamnesis, exercise ECG and advice as content, and names no amount. Source: Audi BKK, student membership group (German), retrieved 25 October 2026 (no update date stated).
How do you switch to Audi BKK?
You register with Audi BKK, and Audi BKK handles the cancellation with your previous fund. The deadlines are set by § 175 SGB V:
- Right to choose: you can choose your fund freely. As a student you must make the choice within two weeks of the start of compulsory insurance at the latest.
- Application: apply with Audi BKK. Notification by the new fund replaces the cancellation, and the previous fund confirms it.
- Notice period: membership ends at the close of the second calendar month after the notice. If you give notice in January, you switch on 1 April.
- Binding period: you are generally bound to the new fund for twelve months. This does not apply if membership ends by law, for example when family insurance ends.
- Special right of termination: if your fund raises the additional contribution, you can leave earlier. The twelve-month binding period then does not apply.
The guide Switching health insurance as a student (in German) describes this in detail.
Frequently asked questions
Does Audi BKK have a student tariff?
No, Audi BKK offers statutory student health insurance. The contribution follows the statutory formula and, in 2026 with the additional contribution of 2.60 %, is 109.61 € a month for health insurance, or 140.39 € and 145.52 € with care insurance.
How high is the additional contribution of Audi BKK in 2026?
According to the GKV-Spitzenverband health fund list it is 2.60 %. Applied to the assessment basis of 855 €, that is 22.23 € a month. The average additional contribution is 2.9 %.
Until when am I covered by family insurance?
As a student until your 25th birthday, if your regular total income in 2026 does not exceed 565 € a month, or 603 € for a mini job. Afterwards, student insurance usually follows, provided you meet the conditions.
What does Audi BKK cost at 30?
After student insurance ends, the 2026 voluntary minimum contribution is 274.21 € a month without children and 266.30 € with a child, in each case including care insurance. At higher incomes the contribution rises.
Can I stay with Audi BKK as a working student?
Yes, as long as you work at most 20 hours a week. Working more can lead to compulsory insurance as an employee if the work is permanent.
When can I leave Audi BKK again?
In principle after twelve months of binding, or earlier with the special right of termination if the additional contribution rises.
Sources
- GKV-Spitzenverband, health fund list (additional contribution of Audi BKK, status 24 October 2026)
- Audi BKK, students (German, retrieved 25 October 2026, no update date stated)
- Audi BKK, student membership group (German, retrieved 25 October 2026, no update date stated)
- § 175 SGB V, exercise of the right to choose
- § 5 SGB V, compulsory insurance, § 10 SGB V, family insurance, § 236 SGB V, contribution assessment
- GKV-Spitzenverband, fact sheet on the 2026 reference figures (German)
If you want to classify your own situation, you can use the Academycon online check.
Related guides
- Health funds for students: all funds at a glance (in German)
- Additional contributions 2026 for all health funds (in German)
- Switching health insurance as a student (in German)
- Studying at 30 (in German)
- Working student: the 20-hour rule (in German)
- Family insurance during studies (in German)
- BKK Pfaff for students (in German)
- Techniker Krankenkasse for students (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
