BKK Wirtschaft und Finanzen student health insurance costs 121.49 € a month in 2026 for statutory health cover. With care insurance you pay 152.27 € (under 23 or with a child) or 157.40 € (23 or older, no children). The additional contribution is 3.99 %. Student cover ends with the semester of your 30th birthday, after which the voluntary minimum without children is 292.54 €.
According to the GKV-Spitzenverband fund list, the fund is open in Baden-Württemberg, Bavaria, Berlin, Brandenburg, Bremen, Hamburg, Hesse, Lower Saxony, North Rhine-Westphalia, Rhineland-Palatinate, Saarland and Saxony. Only students with a place of residence or study in this area can be admitted. The fund’s student page does not name the federal states.
At a glance: the facts about BKK Wirtschaft und Finanzen student health insurance
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.99 % |
| Area of operation | regional: Baden-Württemberg, Bavaria, Berlin, Brandenburg, Bremen, Hamburg, Hesse, Lower Saxony, North Rhine-Westphalia, Rhineland-Palatinate, Saarland, Saxony |
| Student insurance under 23 (health and care) | 152.27 € a month |
| Student insurance from 23, no children (health and care) | 157.40 € a month |
| Voluntary minimum from 30, no children | 292.54 € a month |
| Voluntary minimum from 30, with a child | 284.63 € 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. |
These amounts apply to compulsory statutory student insurance. The additional contribution is set by each fund and can change. The rate that the fund itself publishes is the binding one.
What does BKK Wirtschaft und Finanzen cost for students?
The fund does not offer a student tariff you can choose. 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, which corresponds to the BAföG maximum rate, and applies even if you do not receive BAföG.
- 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 the fund: 3.99 % of 855.00 € gives 34.11 €.
- Health insurance: 87.38 € plus 34.11 € gives 121.49 €.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) from 23 without children.
- Total: 152.27 € under 23 or with a child, 157.40 € from 23 without children.
How the fund’s additional contribution compares with all other funds is shown in the table in the guide Additional contributions 2026 for all health funds (in German). One percentage point of additional contribution equals 8.55 € a month for students.
What applies at BKK Wirtschaft und Finanzen 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 € a month, or 603 € with a mini job (section 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 when the semester in which you turn 30 ends (section 5(1) no. 9 SGB V). There has been no maximum number of subject semesters since 2020, so the age limit decides. An extension is possible if the type of training or personal reasons justify exceeding it. The fund lists care of relatives, the birth of a child and a postgraduate course as examples on its page. The fund checks this case by case. The guides Health insurance as a student over 30 and Studying at 30 (both in German) give details.
Once student insurance ends, you normally stay with the fund as a voluntary member unless you prove other cover. A minimum assessment basis then applies. This is how the 2026 minimum contribution works out:
- Minimum assessment basis: 3,955.00 € reference figure divided by 3 gives 1,318.33 € a month.
- Health insurance: reduced rate of 14.0 % plus additional contribution of 3.99 % gives 17.99 %, which is 237.17 €.
- Care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) without children.
- Total: 284.63 € with a child, 292.54 € without children.
At higher incomes the contribution follows the actual income, up to the contribution assessment ceiling of 5,812.50 € a month.
What applies to working students and mini jobs at BKK Wirtschaft und Finanzen?
A working student job or mini job usually changes nothing about your cover while your studies remain the main activity. Weekly hours and earnings are decisive.
| Situation | Effect on health insurance |
|---|---|
| Working student up to 20 hours a week | The job triggers no health or care insurance contributions, and student insurance continues. Pension insurance stays compulsory. |
| Employment regularly above 20 hours | The working student privilege lapses, and compulsory insurance as an employee may arise. It takes priority over student insurance. |
| Mini job up to 603 € a month | Student insurance continues. Under family insurance, mini jobbers have a limit of 603 € instead of 565 €. |
This summary rests on the joint circular of the national associations from 2016. For borderline cases such as night work, semester breaks or several jobs, the fund decides case by case. The guide Working student: the 20-hour rule (in German) describes the details.
Which extra benefits and bonus schemes does BKK Wirtschaft und Finanzen list for young members?
The fund lists a bonus programme for adults on its pages. We reproduce it here without comment. The amounts come from the fund and may change.
- Bonus programme for adults: 20 € for each documented measure from Stage I, for example a check-up, a dental check-up or proof of vaccination, and from Stage II, for example membership of a fitness studio or sports club. The page names no upper limit for the total bonus. Proof must reach the fund by 31 March of the following year. Source: BKK Wirtschaft und Finanzen, bonus programme for adults, retrieved 25 October 2026 (the page states no update date).
Which offers suit you depends on your situation. Current terms are on the fund’s website. The statutory benefits catalogue is largely the same at all statutory funds.
How do you switch to BKK Wirtschaft und Finanzen?
You register with the fund, and the fund handles the cancellation with your previous fund. Section 175 SGB V sets the deadlines:
- Right to choose: you can choose your fund from the age of 15. As a student you must choose a fund no later than two weeks after compulsory insurance begins.
- Online application: apply with the fund. The new fund’s registration replaces the cancellation, and your previous fund confirms it within two weeks at the latest.
- Notice period: membership ends at the end 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 its additional contribution, you can give notice until the end of the month from which the higher rate applies. The twelve-month binding period then does not matter. Notice only takes effect once you prove other cover.
The guide Switching health insurance as a student (in German) explains this in detail.
Frequently asked questions
Does BKK Wirtschaft und Finanzen have a student tariff?
No. The fund offers statutory student health insurance. The contribution follows the legal formula and in 2026 comes to 121.49 € a month for health insurance with the 3.99 % additional contribution.
How high is the additional contribution in 2026?
It is 3.99 % according to the GKV-Spitzenverband fund list. On the basis of 855 € that is 34.11 € 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 total income in 2026 does not exceed 565 € a month, or 603 € with a mini job. Student insurance normally follows afterwards.
What does the fund cost at 30?
After student insurance ends, the voluntary minimum in 2026 is 292.54 € a month without children and 284.63 € with a child, both including care insurance. With higher income the contribution rises.
Can I stay as a working student?
Yes. Up to 20 hours a week your student insurance continues. If you work regularly more, compulsory insurance as an employee may arise.
When can I leave the fund again?
Generally after a twelve-month binding period, or earlier through the special right of termination if the additional contribution rises.
Sources
- GKV-Spitzenverband, health fund list (additional contribution, status 24 October 2026)
- BKK Wirtschaft und Finanzen, students (retrieved 25 October 2026, no update date stated)
- BKK Wirtschaft und Finanzen, bonus programme for adults (retrieved 25 October 2026, no update date stated)
- Section 175 SGB V, exercise of the right to choose
- Section 5 SGB V, compulsory insurance, section 10 SGB V, family insurance, section 236 SGB V, assessment basis
- GKV-Spitzenverband, fact sheet on the 2026 reference figures
If you want to place 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)
- BAHN-BKK for students (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
