As a student with BKK EUREGIO, you pay 116.36 € per month for health insurance in 2026. Including long-term care insurance, it is 147.14 € if you are under 23 or have a child, and 152.27 € if you are childless and 23 or older. The additional contribution is 3.39%. Student health insurance ends with the semester in which you turn 30. After that, the voluntary minimum contribution without children is 284.63 € 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’s application document for students does not state contribution amounts in euro.
The facts at a glance
| Item | Value |
| Additional contribution 2026 | 3.39% |
| Open to | Hamburg, North Rhine-Westphalia |
| Student insurance under 23 (health and care) | 147.14 € per month |
| Student insurance from 23, childless (health and care) | 152.27 € per month |
| Voluntary minimum contribution from 30, childless | 284.63 € per month |
| Voluntary minimum contribution from 30, with child | 276.72 € 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 EUREGIO open?
According to the GKV-Spitzenverband insurer list, BKK EUREGIO is open in Hamburg and North Rhine-Westphalia. The homepage names Heinsberg as its location. The application document for students describes compulsory insurance in student health insurance and the digital membership application. The homepage names no regional restriction on its benefits.
What does BKK EUREGIO 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 application document names no euro amounts and no assessment base.
- Basic contribution: 10.22% of 855 € equals 87.38 €.
- Additional contribution: 3.39% of 855 € equals 28.98 €.
- Health insurance: 87.38 € plus 28.98 € equals 116.36 €.
- Long-term care insurance: 30.78 € under 23 or with a child, 35.91 € childless from 23.
- Total: 147.14 € or 152.27 € 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
Many students stay covered as family members through a parent at first. Until your 25th birthday, this applies as long as your total income in 2026 does not exceed 565 € per month, or 603 € for a mini-job (§ 10 SGB V). According to the application document, all statutory benefits of BKK EUREGIO are then available at no extra cost. After leaving family insurance, you can insure yourself through student health insurance. Our glossary entry on family insurance during studies explains more, currently available in German.
Student insurance ends at 30
Compulsory student insurance begins no earlier than the start of your studies and usually ends with graduation, at the latest with the semester in which you turn 30. In exceptional cases, cover can continue beyond this limit. After that, you can remain voluntarily insured. 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 3.39% additional contribution equals 229.26 €.
- Long-term care insurance: 47.46 € with a child, 55.37 € childless.
- Total: 276.72 € with a child, 284.63 € 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
Neither the application document nor the homepage names rules for working students or mini-jobs. 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 homepage speaks of premium benefits for trainees and students but names no euro amounts and no conditions. 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.
- Cash bonus: according to the homepage, for preventive check-ups or vaccinations. The page does not state the amount.
- Additional preventive check-ups: subsidised, the page does not state the amount of the subsidy.
- Travel vaccinations: according to the homepage, costs for private trips abroad are covered in full.
- Osteopathy and natural medicines: described, without amounts or conditions.
- Source: BKK EUREGIO, homepage (German), retrieved on 25.10.2026.
Availability and membership
The homepage lists opening hours from Monday to Thursday, 8:00 to 16:30, and on Fridays from 8:00 to 15:00. Outside these hours, the service app is available around the clock, according to the page. You apply for membership digitally through the membership application for students.
How do you switch to BKK EUREGIO?
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 116.36 € per month for health insurance.
What does the insurer cost at 30?
The voluntary minimum contribution in 2026 is 284.63 € without children and 276.72 € with a child, each including long-term care insurance.
How high is the additional contribution in 2026?
It is 3.39%. Based on the 855 € assessment base, that is 28.98 € 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 3.39% 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 submit the digital membership application to BKK EUREGIO. The new insurer takes over the cancellation with your previous insurer. The enrolment certificate is usually enough.
Which documents do I need to register?
Usually, the enrolment certificate is enough. The insurer tells you whether further proof is required.
Sources
- BKK EUREGIO, information on the membership application for students (PDF, 01.2026, German), retrieved on 25.10.2026.
- BKK EUREGIO, homepage (German), retrieved on 25.10.2026. Metadata shows last change on 09.07.2026.
- § 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.
