BKK VerbundPlus students pay 120.64 € per month for statutory health insurance in 2026. With long-term care insurance it is 151.42 € (under 23 or with a child) or 156.55 € (23 and over, no children). The additional contribution rate is 3.89 %. Student insurance ends at the end of the semester in which you turn 30. After that, the minimum voluntary contribution without children is 291.22 € per month.
According to the health insurance list of the GKV-Spitzenverband, BKK VerbundPlus is open nationwide. Students can therefore join regardless of where they live. Whether the fund has special admission routes or rules for students, the fund itself has to say.
In short: the facts about BKK VerbundPlus
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.89 % |
| Open to | Nationwide (per GKV-Spitzenverband health insurance list) |
| Student insurance under 23 (health and long-term care) | 151.42 € per month |
| Student insurance 23 and over, no children (health and long-term care) | 156.55 € per month |
| Minimum voluntary contribution from 30, no children | 291.22 € per month |
| Minimum voluntary contribution from 30, with a child | 283.31 € per month |
| Source and date | Additional contribution per GKV-Spitzenverband health insurance list; contributions own calculation; status 24.10.2026 |
These amounts apply to compulsory statutory insurance as a student. The additional contribution rate is set by each fund and can change. The fund’s student page does not state contribution amounts and refers to an inquiry. The fund’s answer is binding.
BKK VerbundPlus students: what does the insurance cost?
BKK VerbundPlus does not offer a student tariff you can choose. It offers statutory student health insurance (KVdS) with a uniform formula. The contribution is calculated from a fixed assessment base of 855 € per month, which corresponds to the BAföG standard rate. This base applies even if you do not receive BAföG. The calculation works like this:
- Assessment base: 855.00 € per month (475 € basic need plus 380 € housing allowance).
- Basic contribution: 10.22 % of 855.00 € gives 87.38 €. This rate is seven tenths of the general contribution rate of 14.6 %.
- Additional contribution of BKK VerbundPlus: 3.89 % of 855.00 € gives 33.26 €.
- Health insurance: 87.38 € plus 33.26 € gives 120.64 €.
- Long-term care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) at 23 and over, no children.
- Total: 151.42 € under 23 or with a child, 156.55 € at 23 and over, no children.
To see how the additional contribution of BKK VerbundPlus compares with all other funds, check the table in Additional contributions 2026 for all health insurance funds. For students, one percentage point of additional contribution equals 8.55 € per month.
What applies at BKK VerbundPlus 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. This applies as long as your total income in 2026 does not exceed 565 € per month, or 603 € for a minijob (§ 10 SGB V). The age limit can only be extended for periods of statutory service or a voluntary service, not for study periods. After that, your cover at BKK VerbundPlus continues as a student, with the amounts calculated above. From your 23rd birthday, the childless care surcharge also applies, which is 5.13 € more per month. More is in the glossary entry Family insurance during studies.
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). The age limit is decisive.
An extension is possible if the type of training or personal reasons justify going beyond the limit, for example in a second educational pathway or for child-rearing. Details are in Health insurance as a student over 30 and Studying at 30.
When student insurance ends, you usually remain a voluntary member of BKK VerbundPlus, unless you prove other cover. A minimum assessment base then applies. The minimum contribution for 2026 is calculated as follows:
- Minimum assessment base: 3,955.00 € reference figure divided by 3 gives 1,318.33 € per month.
- Health insurance: reduced rate 14.0 % plus additional contribution 3.89 % gives 17.89 %, which is 235.85 €.
- Long-term care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) without children.
- Total: 283.31 € with a child, 291.22 € without children.
The minimum contribution assumes low income. With higher income, the contribution is based on that income, up to the contribution assessment ceiling of 5,812.50 € per month.
What applies to working students and minijobbers at BKK VerbundPlus?
A working student job or minijob usually does not change your insurance at BKK VerbundPlus, as long as your studies remain the main focus.
| Situation | Effect on health insurance |
|---|---|
| Working student, up to 20 hours per week | No health and long-term care contributions are due from the job, and student insurance continues. Pension insurance remains compulsory. |
| Employment permanently above 20 hours | The working student privilege ends, and compulsory insurance as an employee may apply. This takes priority over student insurance. |
| Minijob up to 603 € per month | Student insurance continues. For family insurance, the limit for minijobs is 603 € instead of 565 €. |
The classification is based on the joint circular of the umbrella associations from 2016. In borderline cases such as night work, semester breaks or several jobs, the fund decides individually. The details are described in Working student: the 20-hour rule.
Which extra services and bonus programmes does BKK VerbundPlus offer young members?
On its page for students, BKK VerbundPlus lists a subsidy for dental cleaning, travel vaccinations and sports medicine examinations, as well as a bonus programme. The page gives no euro amounts for these. The page shows no update date; accessed on 25.10.2026.
How do you switch to BKK VerbundPlus?
- Right of choice: as a student you must choose your fund no later than two weeks after compulsory insurance begins.
- Application: apply to BKK VerbundPlus. Notifying the new fund replaces the cancellation; confirmation from your previous fund follows within two weeks at the latest.
- Notice period: membership ends at the end of the second calendar month after notice is given. If you cancel in January, you switch on 1 April.
- Commitment: in principle you are bound to your 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 its additional contribution, you can cancel effective from the end of the month in which the higher rate applies. The twelve-month commitment does not matter then.
The process is described in Switching health insurance as a student. The legal basis for the right of choice is § 175 SGB V.
Frequently asked questions
Does BKK VerbundPlus have a student tariff?
No. BKK VerbundPlus offers statutory student health insurance. The contribution follows the statutory formula and in 2026, with the additional contribution of 3.89 %, is 120.64 € per month for health insurance.
What is the additional contribution of BKK VerbundPlus in 2026?
According to the GKV-Spitzenverband health insurance list it is 3.89 %. Applied to the assessment base of 855 €, this is 33.26 € per month. The average additional contribution is 2.9 %.
Until when am I covered by family insurance at BKK VerbundPlus?
As a student until your 25th birthday, if your total income in 2026 is at most 565 € per month, or 603 € for a minijob. After that, student insurance usually follows.
What does BKK VerbundPlus cost from 30?
After student insurance ends, the minimum voluntary contribution for 2026 is 291.22 € per month without children and 283.31 € with a child, each including long-term care insurance. Higher income increases the contribution.
Can I stay with BKK VerbundPlus as a working student?
Yes. Up to 20 hours per week, student insurance continues. If you work more than that permanently, compulsory insurance as an employee may apply.
When can I leave BKK VerbundPlus?
In principle after twelve months of commitment. If the additional contribution rises, you can leave earlier under the special right of termination.
Sources
- GKV-Spitzenverband, health insurance list (additional contribution and opening area of BKK VerbundPlus, status 24.10.2026)
- BKK VerbundPlus, health insurance for students (accessed 25.10.2026, no update date)
- § 175 SGB V, exercise of the right of choice
- § 5 SGB V, compulsory insurance, § 10 SGB V, family insurance, § 236 SGB V, contribution assessment
- GKV-Spitzenverband, fact sheet on 2026 calculation values
To classify your own situation, you can use the Academycon online check.
Related
- Health insurance funds for students: all funds at a glance
- Additional contributions 2026 for all funds and what students pay
- Switching health insurance as a student: deadlines, process and special right of termination
- Studying at 30: opportunities, funding and daily life
- BKK Akzo Nobel Bayern for students: contributions 2026, from 30 and services
- BKK Diakonie for students: contributions 2026, from 30 and services
- Working student: the 20-hour rule, pension insurance and semester breaks
- Family insurance during studies
Status: October 2026. This article provides general information and does not replace individual advice.
