Lionel Hasse

Taking a semester off does not automatically end your student health insurance if you remain enrolled. Here is what counts and what to report.

What applies to student health insurance over 25: when family insurance ends, what KVdS costs in 2026, how side jobs count, and exemption.

Single or double room in private health insurance: what your tariff reimburses, how hospital charges are calculated, and what to check.

Chief physician treatment in private health insurance: how the GOÄ bills, when the doctor must justify fees, and what your tariff reimburses.

Studying outside the EU: why the EHIC does not apply, what visa and university may require, and what to check in abroad cover.

When private health insurance without a health check is possible, what the statutory basic tariff provides and which answers on the application matter most for you.

Cheap PKV for students: what determines the contribution, how deductibles and benefits change the price, and how to compare tariffs.

Switch to private insurance mid-study: when the exemption is possible, how a change in status affects it, and why the step is irrevocable.

PKV at study start: the three-month deadline for exemption, the timeline around enrolment, and what applies in the first semester.

Exemption from compulsory insurance as a student: the three-month deadline, the proof needed, and why the decision is irrevocable.