Students with BAHN-BKK pay 118.59 € a month for statutory health insurance in 2026. With care insurance the total is 149.37 € (under 23 or with a child) or 154.50 € (23 or older, no children). The fund is open nationwide. Student cover ends with the semester of your 30th birthday, after which the voluntary minimum contribution without children is 288.06 €.
At a glance: the facts about BAHN-BKK for students
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.65 % |
| Area of operation | open nationwide, BKK |
| Student insurance under 23 (health and care) | 149.37 € a month |
| Student insurance from 23, no children (health and care) | 154.50 € a month |
| Voluntary minimum contribution from 30, no children | 288.06 € a month |
| Voluntary minimum contribution from 30, with a child | 280.15 € a month |
| Source and status | Additional contribution from the GKV-Spitzenverband health fund list, status 24 October 2026. Contributions calculated by us on the basis of the 2026 reference figures. The BAHN-BKK student page states 118.59 € for health insurance and 30.78 € or 35.91 € from 23 for care insurance, retrieved 25 October 2026, no update date stated. |
These amounts apply to compulsory statutory student insurance. The additional contribution is set by each fund and can change, usually at the turn of the year. The rate that BAHN-BKK itself publishes is the binding one. Its page does not state the additional contribution, so that figure comes from the health fund list.
The page does not describe in detail which students can join. It refers to an online membership declaration. For an overview of all funds, see the hub Health funds for students: all funds at a glance (in German).
What does BAHN-BKK cost for students?
BAHN-BKK does not offer a freely selectable student tariff. It provides statutory student health insurance (KVdS, Krankenversicherung der Studierenden) under one fixed formula. The contribution is based on a fixed assessment basis of 855 € a month. This amount consists of 475 € basic need and 380 € housing allowance (§ 236 SGB V) and applies even if you do not receive BAföG.
This is how the 2026 contribution is calculated:
- Assessment basis: 855.00 € a month (475 € basic need plus 380 € housing allowance).
- Basic contribution: 10.22 % of 855.00 € gives 87.38 €. The rate is seven tenths of the general contribution rate of 14.6 %.
- Additional contribution of BAHN-BKK: 3.65 % of 855.00 € gives 31.21 €.
- Health insurance: 87.38 € plus 31.21 € gives 118.59 €. The same amount appears on the fund’s page.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) from 23 without children.
- Total: 149.37 € under 23 or with a child, 154.50 € from 23 without children.
One percentage point of additional contribution corresponds to 8.55 € a month for students. The table in Additional contributions 2026 for all health funds (in German) shows how the rate compares with other funds.
What applies at BAHN-BKK from 25 and from 30?
Family insurance ends at 25
Until your 25th birthday you can be covered as a student through a parent who is a member of a statutory fund. BAHN-BKK also states the age limit of 25 on its page. This applies as long as your regular earnings in 2026 do not exceed 565 € a month. For a mini job the limit is 603 € (§ 10 SGB V). The age limit can only be extended by periods of statutory or voluntary service, not by years of study. From your 23rd birthday, the care surcharge for people without children also applies, which is 5.13 € more a month. More is in the glossary Family insurance during studies (in German).
Student insurance ends at 30
Compulsory student insurance ends at the end of the semester in which you turn 30 (§ 5 para. 1 no. 9 SGB V). Since 2020 there is no maximum number of semesters, the age limit decides. BAHN-BKK names the age limit of completing the 30th year of life on its page. Details are in Health insurance as a student over 30 and Studying at 30 (both in German).
When student insurance ends, you usually remain a voluntary member of BAHN-BKK, unless you can prove other cover. A minimum assessment basis then applies. This is how the 2026 minimum contribution is calculated:
- Minimum assessment basis: 3,955.00 € reference figure divided by 3 gives 1,318.33 € a month.
- Health insurance: reduced rate 14.0 % plus additional contribution 3.65 % gives 17.65 %, which is 232.69 €.
- Care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) without children.
- Total: 280.15 € with a child, 288.06 € without children.
At higher incomes the contribution is based on the actual income, up to the contribution assessment ceiling of 5,812.50 € a month.
What applies to working students and mini jobs at BAHN-BKK?
A working student job or mini job usually changes nothing in your insurance with BAHN-BKK as long as your studies come first. Its page names the criterion that studies must form the focus and take up most of your time and energy.
| Situation | Effect on health insurance |
|---|---|
| Working student whose studies remain the focus | Student insurance continues. |
| Permanent employment of more than 20 hours a week | Compulsory insurance as an employee starts from the first day. |
| Mini job up to 603 € a month | For marginal employment the limit is 603 €, and student insurance continues. |
The details, for example during semester breaks or with several jobs, are explained in Working student: the 20-hour rule (in German).
Which extra benefits and bonus schemes does BAHN-BKK list for young members?
BAHN-BKK lists bonus programmes on its pages. We reproduce the details here without comment. The amounts come from the fund and may change. The page does not name students as a separate target group.
- Health bonus (Gesundheitsbonus): the page names the target group as “everyone from age 16” and a bonus of 30 € each for the first three activities. Rewarded are activities from eight health areas, such as sport, courses and preventive care. Source: BAHN-BKK, bonus programmes (German), retrieved 25 October 2026 (no update date stated).
- Mother bonus (Mamabonus): the page names the target group as “pregnant women and young mothers” and 50 € as a cash bonus or 100 € as an earmarked bonus. Source: BAHN-BKK, bonus programmes (German), retrieved 25 October 2026 (no update date stated).
The student page also mentions the optional tariff Back2You (deductible tariff), without amounts.
How do you switch to BAHN-BKK?
You register with BAHN-BKK, and BAHN-BKK handles the cancellation with your previous fund. The deadlines are set by § 175 SGB V:
- Right to choose: you can choose your fund freely. As a student you must make the choice within two weeks of the start of compulsory insurance at the latest.
- Application: apply with BAHN-BKK. Notification by the new fund replaces the cancellation, and the previous fund confirms it.
- Notice period: membership ends at the close of the second calendar month after the notice. If you give notice in January, you switch on 1 April.
- Binding period: you are generally bound to the new fund for twelve months. This does not apply if membership ends by law, for example when family insurance ends.
- Special right of termination: if your fund raises the additional contribution, you can leave earlier. The twelve-month binding period then does not apply.
The guide Switching health insurance as a student (in German) describes this in detail.
Frequently asked questions
Does BAHN-BKK have a student tariff?
No, BAHN-BKK offers statutory student health insurance. The contribution follows the statutory formula and, in 2026 with the additional contribution of 3.65 %, is 118.59 € a month for health insurance, or 149.37 € and 154.50 € with care insurance.
How high is the additional contribution of BAHN-BKK in 2026?
According to the GKV-Spitzenverband health fund list it is 3.65 %. Applied to the assessment basis of 855 €, that is 31.21 € a month. The average additional contribution is 2.9 %.
Until when am I covered by family insurance?
As a student until your 25th birthday, if your regular earnings in 2026 do not exceed 565 € a month, or 603 € for a mini job. Afterwards, student insurance usually follows, provided you meet the conditions.
What does BAHN-BKK cost at 30?
After student insurance ends, the 2026 voluntary minimum contribution is 288.06 € a month without children and 280.15 € with a child, in each case including care insurance. At higher incomes the contribution rises.
Can I stay with BAHN-BKK as a working student?
Yes, as long as your studies remain the focus. Working permanently more than 20 hours a week can lead to compulsory insurance as an employee.
When can I leave BAHN-BKK again?
In principle after twelve months of binding, or earlier with the special right of termination if the additional contribution rises.
Sources
- GKV-Spitzenverband, health fund list (additional contribution of BAHN-BKK, status 24 October 2026)
- BAHN-BKK, student insurance (German, retrieved 25 October 2026, no update date stated)
- BAHN-BKK, bonus programmes (German, retrieved 25 October 2026, no update date stated)
- § 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, fact sheet on the 2026 reference figures (German)
If you want to classify your own situation, you can use the Academycon online check.
Related guides
- Health funds for students: all funds at a glance (in German)
- Additional contributions 2026 for all health funds (in German)
- Switching health insurance as a student (in German)
- Studying at 30 (in German)
- Working student: the 20-hour rule (in German)
- Family insurance during studies (in German)
- Audi BKK for students (in German)
- BKK Pfaff for students (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
