Lionel Hasse

How cost reimbursement works in private health insurance: paying first, reimbursement rates, deductibles, GOÄ fees and the deadline for submitting bills.

What happens to your private health insurance after graduation: exemption, cancellation if you become compulsorily insured, tariff changes and deadlines.

How to compare private health insurance tariffs as a student: student tariffs, benefits, reimbursement, excess, premium development and flexibility.

Where to look for an internship, how an unsolicited application works and what belongs in the cover letter, plus notes on minimum wage and insurance.

Which note-taking app suits your studies: OneNote, Notion, Obsidian, GoodNotes and Evernote compared, with tips on organising your notes.

What the BAföG rate for 2026 is, which housing allowance applies and which exemptions count. With dates, sources and a clear note on the 2027 draft law.

The basic tariff is set by law with benefits at GKV level and a capped premium. Here is how it differs from comfort tariffs and what applies to students.

Student health insurance usually ends with the semester in which you turn 30. These are your options afterwards: extension, voluntary statutory cover, family insurance or PKV.

Why you put things off and what really helps: causes, the five-minute rule, planning and protection from distractions for students.

Career planning during your studies: how to find your career goal, gather practical experience, build a network and prepare your entry from semester one.