For students, AOK Bayern charges 110.38 € per month for health insurance in 2026. With long-term care insurance the total is 141.16 € if you are under 23 or have a child, and 146.29 € if you are childless and 23 or older. The additional contribution rate is 2.69 %. Student insurance ends with the semester in which you turn 30. After that, the minimum voluntary contribution for childless members is 275.40 € per month.
The key facts at a glance
| Item | Value |
|---|---|
| Additional contribution 2026 | 2.69 % |
| Region | Bavaria |
| Student insurance under 23 (health and care) | 141.16 € per month |
| Student insurance 23 or older, childless (health and care) | 146.29 € per month |
| Minimum voluntary contribution from 30, childless | 275.40 € per month |
| Minimum voluntary contribution from 30, with child | 267.49 € per month |
| Source and date | Additional contribution from the GKV-Spitzenverband list, status 24.10.2026. Contributions are our own calculation. |
These amounts apply to compulsory student health insurance. The additional contribution is set by each insurer and can change. The rate that AOK Bayern publishes itself is the binding one. Its student page does not state a contribution amount or an additional contribution rate. It refers to general AOK offers for students, which according to the page differ by region. The calculation in this article therefore follows the additional contribution in the health insurer list.
The insurer responsible is the AOK of your place of residence or place of study. Students living or studying in Bavaria are insured with AOK Bayern. If you move to another federal state, the regional AOK there applies. An overview of all regional AOKs is in the article AOK for students: regional differences, contributions and admission (German).
What does AOK Bayern cost students per month?
AOK Bayern does not offer a separate student tariff. Students are insured under statutory student health insurance (KVdS), which follows a fixed formula. The contribution is based on an assessment base of 855 € per month, which corresponds to the BAföG living cost rate. This base applies even if you do not receive BAföG.
- Assessment base: 855.00 € per month (475 € basic need plus 380 € housing allowance).
- Basic rate: 10.22 % of 855.00 € gives 87.38 €. This is seven tenths of the general contribution rate of 14.6 %.
- Additional contribution of AOK Bayern: 2.69 % of 855.00 € gives 23.00 €.
- Health insurance: 87.38 € plus 23.00 € gives 110.38 €.
- Long-term care insurance: 30.78 € (3.6 %) if you are under 23 or have a child, 35.91 € (4.2 %) if you are childless and 23 or older.
- Total: 141.16 € under 23 or with a child, 146.29 € childless and 23 or older.
What applies at 25 and at 30?
Family insurance ends at 25
Up to your 25th birthday you can be insured as a family member through a parent who is in statutory health insurance. This applies as long as your total income in 2026 does not exceed 565 € per month, or 603 € per month for a mini job (§ 10 SGB V). The age limit can only be extended for periods of statutory or voluntary service, not for study periods. From your 23rd birthday, the surcharge for childless members applies, which adds 5.13 € per month. Our glossary article Family insurance during study (German) explains the rules in more detail.
Student insurance ends at 30
Compulsory student insurance ends at the end of the semester in which you turn 30 (§ 5 Abs. 1 Nr. 9 SGB V). Since 2020 there is no longer a maximum number of semesters. The age limit is the decisive factor. An extension is possible if the type of training or personal reasons justify going beyond it, for example in a second educational path or due to child-rearing. The insurer checks such cases individually and per semester. Details are in the articles Health insurance as a student over 30 and Studying at 30 (both German).
If student insurance ends, you usually remain a voluntary member of AOK Bayern, unless you can show other cover. A minimum assessment base then applies. The minimum contribution for 2026 is calculated as follows:
- Minimum assessment base: the 2026 reference value of 3,955.00 € divided by 3 gives 1,318.33 € per month.
- Health insurance: reduced rate of 14.0 % plus additional contribution of 2.69 % gives 16.69 %, which is 220.03 €.
- Long-term care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) childless.
- Total: 267.49 € with a child, 275.40 € childless.
The minimum contribution assumes low income. Higher income raises the contribution up to the contribution assessment ceiling of 5,812.50 € per month.
What applies to working students and mini jobbers?
A working student job or mini job usually does not change your insurance with AOK Bayern, as long as your studies remain the main focus. Weekly hours and earnings are the decisive factors.
| Situation | Effect on health insurance |
|---|---|
| Working student, up to 20 hours per week | No health or care contributions are due from the job, and student insurance continues. Pension insurance remains compulsory. |
| Employment of more than 20 hours on a regular basis | The working student privilege ends, and compulsory insurance as an employee may apply. It takes precedence over student insurance. |
| Mini job up to 603 € per month | Student insurance continues. For mini jobbers in family insurance, the limit is 603 € instead of 565 €. |
Which services does AOK Bayern offer students?
The student page of AOK Bayern does not mention bonus programs with amounts or health accounts for students. It lists general services, and the insurer gives no euro amounts for them.
- Foreign health cover: supplementary cover through cooperation partners. The page gives no price.
- Courses and e-learning: yoga and relaxation courses, plus online seminars on study stress and time management, open to AOK members.
- Branch offices: locations close to campuses at many universities.
- Digital services: the portal and the app “Meine AOK”. Your insurance certificate can be transmitted automatically to your university. Universities abroad or without automated reporting receive a paper certificate.
Source: AOK Bayern, students, accessed 25.10.2026. The page shows no update date. Offers and conditions can change.
How do you switch to AOK Bayern?
You register with AOK Bayern, and the insurer handles the cancellation with your previous health insurer. The rules are set out in § 175 SGB V:
- Right to choose: you may choose your health insurer from the age of 15. As a student, you must choose within two weeks of becoming compulsorily insured.
- Online application: apply with AOK Bayern. Notifying the new insurer replaces the cancellation, and confirmation from the previous insurer follows within two weeks at the latest.
- Notice period: membership ends at the end of the second calendar month after notice. Notice given in January takes effect on 1 April.
- Binding period: you are generally bound to the new insurer for twelve months. This does not apply if membership ends by law, for example when family insurance ends.
- Special right of termination: if your insurer raises its additional contribution, you can terminate by the end of the month from which the higher rate applies. Termination takes effect only with proof of other cover.
The article Switching health insurance as a student (German) describes the process in detail.
Frequently asked questions
Does AOK Bayern offer a student tariff?
No. AOK Bayern offers statutory student health insurance. The contribution follows the statutory formula and comes to 110.38 € per month for health insurance in 2026, with the additional contribution of 2.69 %.
What is the additional contribution of AOK Bayern in 2026?
According to the GKV-Spitzenverband list, it is 2.69 %. Applied to the assessment base of 855 €, this is 23.00 € per month. The average additional contribution is 2.9 %.
What does AOK Bayern cost at 30?
After student insurance ends, the minimum voluntary contribution for 2026 is 275.40 € per month for childless members and 267.49 € with a child, in each case including long-term care insurance. Higher income increases the contribution.
When can I leave AOK Bayern?
Generally after twelve months of binding membership. If the additional contribution rises, you can leave earlier under the special right of termination.
Sources
- GKV-Spitzenverband, health insurer list (additional contribution of AOK Bayern, status 24.10.2026)
- AOK Bayern, students (accessed 25.10.2026, no update date)
- § 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, 2026 reference values fact sheet
Status: October 2026. This article provides general information and does not replace individual advice. To check your own situation, you can use the Academycon online check.
