Lionel Hasse

PKV or GKV as a student: compare costs, family insurance, benefits and the binding exemption before you decide on your health insurance.

Many students pay for the semester ticket through the semester fee. Learn how to check exemptions, subsidies and the Germany ticket as a monthly subscription.

What is a private clinic? The difference to a hospital, costs, private billing and what private health insurance pays. Check your tariff first.

How to organise student finances: a suitable bank account, an emergency reserve, standing orders and the deadlines that matter.

Child benefit during studies and the master’s: 259 euros a month until the 25th birthday. Answers on bachelor and master, leave semesters and the master’s after 25.

What PKV for students means, how tariff, entry age and ageing reserve work together, and how the process runs from exemption to reimbursement.

How to stay motivated through winter despite low light and winter fatigue: daylight, a fixed routine, exercise and a realistic study plan for exam season.

What private health insurance pays for ambulance, patient transport and taxi trips to therapy depends on your tariff. Here is how it compares with the GKV.

What PKV benefits for students cover, from doctors and hospital to dental care, aids and check-ups, and how the rules differ from statutory insurance.

How to build a professional network during your studies: student council, alumni, career fairs and LinkedIn, plus tips for conversations and follow-up.