Lionel Hasse

How medical students are insured during electives and the practical year, how pay affects cover, and what changes after licensure.

Child benefit for first training runs until age 25 with no earnings limit. A minijob does not affect it, but a second degree is subject to a 20-hour rule.

What statutory insurance pays for dentures in 2026 and from 2027, and what to check in a dental supplementary policy as a student.

The parental allowance for BAföG is 1,690 euros for single parents and 2,540 euros for couples. Each further child adds 770 euros. Here is an example.

Children may lose family insurance if a married parent outside statutory insurance earns over 6,450 euros a month and more than the member. See below.

Short answer Your health insurance after training depends on what comes next. If you are appointed as a civil servant on probation, you usually remain privately insured with aid. As an employee earning less than the annual earnings limit of 77,400 euros (2026), you are compulsorily insured under statutory health insurance. Without a job, unemployment … Read more

When medical students should take out disability insurance, how the health check works and which clauses to check before you sign.

The contribution assessment ceiling for health and long-term care insurance is 5,812.50 euros a month in 2026. Here is what it means for you.

Short answer Between your state exam and the trainee period, you usually stay insured, so a health insurance gap rarely arises. Compulsory student insurance runs until the end of the semester of your last enrolment or re-registration. After that, your membership continues as follow-on insurance, unless family or compulsory insurance applies. In the example, this … Read more

Civil servant health aid covers part of medical costs. The rate is set by federal or state rules, so ask your aid office which rate applies to you.