As a student with BKK Diakonie, you pay 119.87 € per month for health insurance in 2026. Including long-term care insurance, it is 150.65 € if you are under 23 or have a child, and 155.78 € if you are childless and 23 or older. The additional contribution is 3.80%. Student health insurance ends with the semester in which you turn 30. After that, the voluntary minimum contribution without children is 290.03 € per month.
This article provides general information and does not replace individual advice. The euro amounts are our own calculations based on the contribution assessment base and the additional contribution. The insurer does not state contribution amounts in euro on its student page.
The facts at a glance
| Item | Value |
| Additional contribution 2026 | 3.80% |
| Open to | 14 federal states, see below |
| Student insurance under 23 (health and care) | 150.65 € per month |
| Student insurance from 23, childless (health and care) | 155.78 € per month |
| Voluntary minimum contribution from 30, childless | 290.03 € per month |
| Voluntary minimum contribution from 30, with child | 282.12 € per month |
| Status of information | pages retrieved on 25.10.2026 |
The figures apply to 2026 and to a person without other income. With higher income, the contribution rises. The additional contribution comes from the GKV-Spitzenverband insurer list and may change.
Where is BKK Diakonie open?
According to the GKV-Spitzenverband insurer list, BKK Diakonie is open in 14 federal states: Baden-Württemberg, Bavaria, Berlin, Brandenburg, Bremen, Hamburg, Hesse, Mecklenburg-Western Pomerania, Lower Saxony, North Rhine-Westphalia, Rhineland-Palatinate, Saxony, Saxony-Anhalt and Schleswig-Holstein. The student page names no regional restriction and stresses that students of all subjects are welcome. The homepage gives an address in Bielefeld.
What does BKK Diakonie cost as a student?
The insurer does not offer its own student tariff, but the statutory student health insurance. For our calculation, we use the assessment base of 855 € per month. The insurer does not name an age limit or its own contribution formula on its student page.
- Basic contribution: 10.22% of 855 € equals 87.38 €.
- Additional contribution: 3.80% of 855 € equals 32.49 €.
- Health insurance: 87.38 € plus 32.49 € equals 119.87 €.
- Long-term care insurance: 30.78 € under 23 or with a child, 35.91 € childless from 23.
- Total: 150.65 € or 155.78 € per month.
The basic contribution for students equals seven tenths of the general contribution rate of 14.6%. One percentage point of additional contribution corresponds to 8.55 € per month for students. From the 23rd birthday, the childless long-term care surcharge of 5.13 € per month applies.
Family insurance until 25
Until your 25th birthday, you can be covered as a family member through a statutorily insured parent, as long as your total income in 2026 does not exceed 565 € per month, or 603 € for a mini-job (§ 10 SGB V). The insurer’s page does not mention family insurance. Our glossary entry on family insurance during studies explains more, currently available in German.
Student insurance ends at 30
Compulsory student insurance ends under § 5 SGB V at the end of the semester in which you turn 30. The insurer names no separate age limit on its page, so the law applies. You can then stay on as a voluntary member. A minimum assessment base of 1,318.33 € applies, which is one third of the reference value of 3,955 €.
- Health insurance: 14.0% plus 3.80% additional contribution equals 234.66 €.
- Long-term care insurance: 47.46 € with a child, 55.37 € childless.
- Total: 282.12 € with a child, 290.03 € childless.
With higher income, the contribution is calculated on that income up to the contribution assessment ceiling. If you later take up employment, you become compulsorily insured there.
Working students and mini-jobs
The insurer does not name rules for working students or mini-jobs on its page. The statutory limits apply. What matters are weekly hours and the amount earned.
| Situation | Effect |
| Working student up to 20 hours per week | Student insurance continues. |
| Employment permanently above 20 hours | Compulsory insurance as an employee may apply and takes precedence over student insurance. |
| Mini-job up to 603 € per month | No effect on student insurance. |
For borderline cases such as night work, semester breaks or several jobs, the insurer decides individually.
Bonus and additional benefits
The insurer names several benefits on its pages. The information comes from the insurer, may change and differs in part between the pages. The current information from the insurer is decisive. Statutory benefits such as medical treatment, hospital care, medicines and preventive care are largely the same at all statutory insurers. Differences mainly concern the additional contribution and voluntary offers.
- Bonus program: up to 100 € per year for health-conscious behaviour, according to the student page. The page names no conditions.
- Mindfulness budget: 620 € per year for prevention and self-care, according to the homepage. Insureds decide for themselves how to use it. The student page gives different information on this budget.
- Dental cleaning: up to 80 € per year.
- Prevention courses: up to 200 € per year, twice 100 €.
- Osteopathy: up to 240 € per year, at most 80% of the invoice amount.
- Travel vaccinations abroad: 100% of the costs. Skin cancer screening from age 18.
- Sources: BKK Diakonie, students (German page) and BKK Diakonie, homepage (German), both retrieved on 25.10.2026.
How do you switch to BKK Diakonie?
A switch runs through the new insurer. The deadlines are set by § 175 SGB V.
- You register with the new insurer. It takes over the cancellation with your previous insurer.
- Membership ends at the end of the second calendar month after notice. If you give notice in January, you switch on 1 April.
- In principle, you are bound to the new insurer for twelve months.
- If the additional contribution rises, a special right of termination applies.
Frequently asked questions
Is there a student tariff?
No. The contribution follows the statutory formula and amounts to 119.87 € per month for health insurance.
What does the insurer cost at 30?
The voluntary minimum contribution in 2026 is 290.03 € without children and 282.12 € with a child, each including long-term care insurance.
How high is the additional contribution in 2026?
It is 3.80%. Based on the 855 € assessment base, that is 32.49 € per month. The rate is set individually by each insurer and may change.
Can I calculate the contribution myself?
Yes. Multiply 855 € by 10.22% for the basic contribution, multiply 855 € by 3.80% for the additional contribution and add both. Add long-term care insurance at 3.6% or 4.2% of the assessment base.
Do I have to register myself?
Yes. You register with BKK Diakonie, and the new insurer takes over the cancellation with your previous insurer. The enrolment certificate is usually enough.
Sources
- BKK Diakonie, students, retrieved on 25.10.2026 (German page). Metadata shows last change on 09.03.2026.
- BKK Diakonie, homepage, retrieved on 25.10.2026 (German page). Metadata shows last change on 19.12.2025.
- § 5 SGB V, compulsory insurance, § 10 SGB V, family insurance.
- § 175 SGB V, exercise of the right to choose.
Related reading
- AOK für Studierende: Regionale Unterschiede, Beitrag und Aufnahme
- Barmer und DAK für Studierende: Beitrag, Aufnahme und Fakten
- Zusatzbeiträge 2026 aller Krankenkassen und was Studierende zahlen
- Krankenkasse wechseln als Student: Fristen, Ablauf und Sonderkündigungsrecht
- Krankenversicherung im Studium ab 30: Stichtage, Zahlen und Wege
- Werkstudent: 20-Stunden-Regel, Rentenversicherung und Semesterferien
Status: October 2026. This article provides general information and does not replace individual advice.
