Energie BKK students pay 121,41 € per month for health insurance in 2026 with the 3.98 % additional contribution. Including long-term care insurance, the total is 152,19 € for students under 23 or with a child, and 157,32 € from age 23 without children. Student coverage ends with the semester in which you turn 30. After that, the voluntary minimum contribution without children is 292,41 € per month.
The GKV-Spitzenverband’s list of statutory health insurers shows the Energie BKK as open nationwide. The fund’s student page does not restrict enrollment by federal state or location.
The key facts about Energie BKK for students
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.98 % |
| Open to | Nationwide |
| Student coverage under 23 (health and long-term care) | 152.19 € per month |
| Student coverage from 23, without children | 157.32 € per month |
| Voluntary minimum contribution from 30, without children | 292.41 € per month |
| Voluntary minimum contribution from 30, with a child | 284.50 € per month |
| Source and date | Additional contribution from the GKV-Spitzenverband list; fund page and own calculation, status 25 Oct 2026 |
These amounts apply to compulsory statutory insurance as a student. The additional contribution is set by each fund and can change. The rate the fund itself publishes is the one that counts.
What does Energie BKK cost for students?
The Energie BKK offers no separate student tariff. Students are insured under the statutory student health insurance (KVdS), which uses a fixed formula. Contributions are based on a fixed assessment base of 855 € per month, which matches the BAföG standard rate. The fund states this amount on its own page. The base applies even if you do not receive BAföG.
- 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 rate of 14.6 %.
- Additional contribution: 3.98 % of 855.00 € gives 34.03 €.
- Health insurance: 87.38 € plus 34.03 € gives 121.41 €, as the fund itself states.
- Long-term care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) without children from age 23.
- Total: 152.19 € under 23 or with a child, 157.32 € without children from age 23.
A one-percentage-point additional contribution adds 8.55 € per month for students. Our overview of the additional contributions of all funds shows how this fund compares with the others: Additional contributions 2026 for all health funds.
What applies at 25 and 30 with Energie BKK?
Family insurance ends at 25
Until your 25th birthday you can be covered as a family member through a parent who is insured with a statutory fund, as long as your total income in 2026 does not exceed 565 € per month, or 603 € for a mini job (section 10 SGB V). The age limit can be extended only for periods of statutory or voluntary civilian service, not for periods of study. After that, your coverage continues as a student with the amounts calculated above. From age 23, the childless care surcharge also applies, which adds 5.13 € per month. More in our glossary: Family insurance during studies.
Student insurance ends at 30
Compulsory student insurance ends at the end of the semester in which you turn 30 (section 5 para. 1 no. 9 SGB V). Since 2020 there is no maximum number of semesters. The age limit is the deciding factor. An extension is possible if the type of training or personal reasons justify going beyond it. The fund decides this case by case. Details are in our guides Health insurance as a student over 30 and Studying at 30 and older.
When student insurance ends, you usually remain a voluntary member of the fund unless you can show other cover. A minimum assessment base then applies. The 2026 minimum contribution 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 of 14.0 % plus additional contribution of 3.98 % gives 17.98 %, which is 237.04 €.
- Long-term care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) without children.
- Total: 284.50 € with a child, 292.41 € without children.
With higher income, the contribution is calculated on actual income up to the contribution assessment ceiling of 5,812.50 € per month.
Working students and mini jobs with Energie BKK
A part-time job usually does not change your insurance as long as your studies come first. Weekly hours and earnings are the deciding factors.
| 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 regularly above 20 hours per week | The working student exemption ends and compulsory employee insurance may apply. It takes precedence over student insurance. |
| Mini job up to 603 € per month | Student insurance continues. For family insurance, the mini job limit of 603 € applies instead of 565 €. |
These rules follow the joint circular of the statutory health insurance federations from 2016. In borderline cases such as night work, semester breaks or several jobs, the fund decides on the individual case. Our guide Working student: the 20-hour rule explains the details.
How do you switch to Energie BKK?
You apply to the fund, and it handles the cancellation with your current fund. The deadlines are set in section 175 SGB V:
- Right to choose: you can choose your fund freely from age 15. As a student, you must choose the fund no later than two weeks after compulsory insurance begins.
- Application: notifying the new fund replaces the cancellation, and your previous fund confirms within two weeks at the latest.
- Notice period: membership ends at the end of the second calendar month after 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 the fund raises its additional contribution, you can give notice up to the end of the month from which the higher rate applies. The twelve-month binding period does not apply then. The termination only takes effect once you prove that you have other cover.
Our guide Changing health insurance as a student covers this in detail.
Frequently asked questions
Does Energie BKK offer a student tariff?
No. The fund offers statutory student health insurance. The contribution follows the statutory formula. With the 3.98 % additional contribution, health insurance costs 121.41 € per month in 2026.
What is the fund’s additional contribution in 2026?
According to the GKV-Spitzenverband list of statutory health insurers, it is 3.98 %. On the 855 € assessment base, this is 34.03 € per month. The average additional contribution is 2.9 %.
How long am I covered as a family member?
As a student until your 25th birthday, if your total income in 2026 does not exceed 565 € per month, or 603 € for a mini job. After that, student insurance usually follows.
What does the fund cost at 30?
After student insurance ends, the voluntary minimum contribution for 2026 is 292.41 € per month without children and 284.50 € with a child, each including long-term care insurance. Higher income increases the contribution.
Can I stay with the fund as a working student?
Yes. Up to 20 hours per week, student insurance continues. If you work more on a regular basis, compulsory employee insurance may apply.
Sources
- GKV-Spitzenverband, list of statutory health insurers (additional contribution of the fund, status 24 Oct 2026)
- Energie BKK, FAQ on insurance for students (accessed 25 Oct 2026, contribution rate from 1 Jan 2026, no update date shown)
- 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, contribution assessment
- GKV-Spitzenverband, fact sheet on 2026 reference figures
If you want to check your own situation, you can use the Academycon online check.
Status: October 2026. This article provides general information and does not replace individual advice.
