BKK Scheufelen student health insurance costs 121.49 € a month in 2026 for statutory health cover. With care insurance you pay 152.27 € (under 23 or with a child) or 157.40 € (from 23, no children). The BKK Scheufelen additional contribution is 3.99 %. Student cover ends with the semester of your 30th birthday, after which the voluntary minimum is 292.54 € a month for people without children.
At a glance: BKK Scheufelen student health insurance facts
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.99 % |
| Open to | Baden-Württemberg only (according to the fund: residence or place of work at the start of cover in Baden-Württemberg) |
| Student insurance under 23 (health and care) | 152.27 € per month |
| Student insurance from 23, no children (health and care) | 157.40 € per month |
| Voluntary minimum from 30, no children | 292.54 € per month |
| Voluntary minimum from 30, with a child | 284.63 € per month |
| Source and date | Additional contribution from the GKV-Spitzenverband fund list, health insurance amount from the fund’s student page, amounts calculated by us, as of 24 October 2026 |
These amounts apply to compulsory statutory student insurance. The additional contribution is set by each fund and can change. The rate that BKK Scheufelen publishes itself is the binding one.
What does BKK Scheufelen student health insurance cost?
BKK Scheufelen offers no freely selectable student tariff. It provides statutory student health insurance (KVdS, Krankenversicherung der Studierenden) under one formula. The contribution rests on a fixed basis of 855 € a month, which matches the BAföG needs rate, and applies even if you do not receive BAföG. This is how the figures add up:
- Basis: 855.00 € per month (475 € basic need plus 380 € housing allowance).
- Base contribution: 10.22 % of 855.00 € gives 87.38 €. The rate is seven tenths of the general rate of 14.6 %.
- BKK Scheufelen additional contribution: 3.99 % of 855.00 € gives 34.11 €.
- Health insurance: 87.38 € plus 34.11 € gives 121.49 €. The fund shows the same 121.49 € for health insurance on its student page.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) from 23 without children. The fund’s student page lists these amounts too.
- Total: 152.27 € under 23 or with a child, 157.40 € from 23 without children.
The fund also states that contributions are due in advance for each semester. According to the fund, a direct debit authorisation also allows monthly payment. The table in the guide Zusatzbeiträge 2026 aller Krankenkassen (in German) shows how the BKK Scheufelen rate compares with all other funds. One percentage point of additional contribution equals 8.55 € a month for students.
What applies at BKK Scheufelen from 25 and from 30?
Family insurance ends at 25
Until your 25th birthday you can be insured as a student through a parent, provided the parent is a member of a statutory fund. This holds while your total income in 2026 does not exceed 565 € a month, or 603 € with a mini job (section 10 SGB V). The fund names an extension of up to 12 months under conditions. By law, the age limit can only be extended by periods of statutory or voluntary service, not by study time. After that, your student cover with BKK Scheufelen continues at the amounts calculated above. From your 23rd birthday a care insurance surcharge for people without children applies, which adds 5.13 € a month. The glossary entry Familienversicherung im Studium (in German) explains co-insurance in more detail.
Student insurance ends at 30
Compulsory student insurance ends when the semester in which you turn 30 ends (section 5(1) no. 9 SGB V). There has been no maximum number of subject semesters since 2020, so the age limit decides. An extension is possible if the type of training or personal reasons justify exceeding it, for example on the second educational path or when raising children. The fund checks this case by case and semester by semester. Its student page also mentions voluntary continuation when the maximum age is reached while studies continue. The guides Krankenversicherung als Student über 30 and Studieren mit 30 (both in German) give details.
Once student insurance ends, you normally stay with BKK Scheufelen as a voluntary member unless you prove other cover. A minimum assessment basis then applies. This is how the 2026 minimum contribution works out:
- Minimum basis: 3,955.00 € reference amount divided by 3 gives 1,318.33 € per month.
- Health insurance: reduced rate of 14.0 % plus additional contribution of 3.99 % gives 17.99 %, which is 237.17 €.
- Care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) without children.
- Total: 284.63 € with a child, 292.54 € without children.
The minimum presupposes low income. With higher income the contribution follows that income, up to the contribution ceiling of 5,812.50 € a month.
What applies to working students and mini jobs at BKK Scheufelen?
A working student job or mini job usually changes nothing about your BKK Scheufelen cover while your studies remain the main activity. Weekly hours and earnings decide. The fund’s student page has no separate figures on working students, so the general rules apply.
| Situation | Effect on health insurance |
|---|---|
| Working student up to 20 hours a week | The job triggers no health or care insurance contributions, and student insurance continues. Pension insurance stays compulsory. |
| Employment regularly above 20 hours | The working student privilege lapses, and compulsory insurance as an employee may arise. It takes priority over student insurance. |
| Mini job up to 603 € a month | Student insurance continues. Under family insurance, mini jobbers have a limit of 603 € instead of 565 €. |
This summary rests on the joint circular of the national associations from 2016. For borderline cases such as night work, semester breaks or several jobs, the fund decides case by case. The guide Werkstudent: 20-Stunden-Regel (in German) describes the details.
Which extra benefits and bonus schemes does BKK Scheufelen list for young members?
BKK Scheufelen lists a set of premiums under its bonus scheme. We report them without judgement. They come from the fund and can change.
- Basic bonus: 20 € for a health check-up, 20 € for a cancer screening, 15 € for dental prevention, 10 € for a vaccination or vaccination status check and 20 € for a skin screening. Source: BKK Scheufelen, bonus, accessed 25 October 2026, the page gives no update date.
- Increase bonus: 20 € for active membership of a sports club or fitness studio, 15 € for an individual health service and 15 € for a sports or performance badge. Source: BKK Scheufelen, bonus, accessed 25 October 2026, the page gives no update date.
- Annual premium: up to 185 €. The page gives 135 € as an example. According to the fund, proof of a single measure from the basic bonus is enough for payment. The proof form must be submitted by 30 April of the following year. Source: BKK Scheufelen, bonus, accessed 25 October 2026.
According to the fund, all insured persons of BKK Scheufelen may take part, and the signed participation declaration must be sent to the fund. Which offers suit you depends on your situation. The current conditions are on the website of BKK Scheufelen.
How do you switch to BKK Scheufelen?
You apply to BKK Scheufelen, and it takes care of the cancellation with your previous fund. The deadlines follow section 175 SGB V:
- Right to choose: you may choose your fund freely from the age of 15. As a student you must choose within two weeks of the start of compulsory insurance.
- Application: apply to BKK Scheufelen. Notifying the new fund replaces the cancellation, and confirmation from the previous fund follows within two weeks at the latest.
- Notice period: membership ends at the end of the second calendar month after notice. If you give notice in January, you switch on 1 April.
- Commitment: as a rule you are 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 give notice until the end of the month from which the higher rate applies. The twelve-month commitment then does not matter.
The guide Krankenkasse wechseln als Student (in German) explains the process in detail.
Frequently asked questions
Does BKK Scheufelen have a student tariff?
No, BKK Scheufelen offers statutory student health insurance. The contribution follows the statutory formula. With the additional contribution of 3.99 % in 2026, health insurance costs 121.49 € a month.
What is the BKK Scheufelen additional contribution in 2026?
According to the GKV-Spitzenverband fund list it is 3.99 %. On the basis of 855 € this comes to 34.11 € a month. The average additional contribution is 2.9 %.
Until when am I insured through family insurance with BKK Scheufelen?
As a student until your 25th birthday, provided your total income in 2026 does not exceed 565 € a month, or 603 € with a mini job. After that, student insurance usually follows.
What does BKK Scheufelen cost at 30?
Once student insurance ends, the 2026 voluntary minimum is 292.54 € a month without children and 284.63 € with a child, in each case including care insurance. With higher income the contribution rises.
Can I stay with BKK Scheufelen as a working student?
Yes. Up to 20 hours a week, student insurance continues. If you work regularly for more hours, compulsory insurance as an employee may arise.
When can I leave BKK Scheufelen again?
As a rule after twelve months of commitment. If the additional contribution rises, you can leave earlier under the special right of termination.
Sources
- GKV-Spitzenverband, fund list (additional contribution of BKK Scheufelen, as of 24 October 2026)
- BKK Scheufelen, membership and contributions for students (accessed 25 October 2026, the page gives no update date)
- BKK Scheufelen, bonus (accessed 25 October 2026, the page gives no update date)
- BKK Scheufelen, become a member (accessed 25 October 2026, the page gives no update date)
- Section 175 SGB V, exercise of the right to choose
- Section 5 SGB V, compulsory insurance, section 10 SGB V, family insurance, section 236 SGB V, contribution assessment
- GKV-Spitzenverband, fact sheet on 2026 reference values
If you want to classify your own situation, you can use the Academycon online check.
Related reading
- Health insurance funds for students: all funds at a glance (in German)
- Additional contributions 2026 for all funds and what students pay (in German)
- Switching health insurance as a student: deadlines, steps and special right of termination (in German)
- Studying at 30: options, funding and everyday life (in German)
- BKK Pfaff for students: contribution 2026, from 30 and benefits (in German)
- BKK ProVita for students: contribution 2026, from 30 and benefits (in German)
- Working student: the 20-hour rule, pension insurance and semester breaks (in German)
- Family insurance during studies (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
