Definition of the health insurance additional contribution
The health insurance additional contribution is the share of the statutory health insurance contribution that each health insurer sets for itself. It is calculated on the same contribution base as the general contribution rate. The rate differs from one insurer to another, and the nationwide average serves only as a reference value.
Value (as of 20 October 2026)
| Quantity | Value | Status | Source |
|---|---|---|---|
| Average additional contribution 2026 | 2.9 percent | official | Federal Ministry of Health (BMG), as of 3 September 2026 |
| Average additional contribution 2027 | 2.9 percent | estimate by the Schätzerkreis, official setting still pending | Federal Office for Social Security (Bundesamt für Soziale Sicherung) |
Example
In the KVdS (statutory student health insurance), the contribution base is 855 euros. At an additional contribution of 2.9 percent, you pay 24.80 euros per month. If your insurer raises the rate by 0.3 percentage points, another 2.57 euros per month is added, which comes to 30.78 euros per year.
Related terms
Contribution rate, contribution base, special right of termination, KVdS.
Further articles
- Additional contributions 2026 for all health insurers and what students pay (in German)
- Switching health insurance as a student: deadlines, procedure and special right of termination (in German)
Sources
Federal Ministry of Health, contributions in statutory health insurance, Federal Office for Social Security, Schätzerkreis estimates for 2026 and 2027. Last updated: 20 October 2026.
This guide is general information, not individual advice. The German version is authoritative.
Editorial team: Academycon · Last updated: October 2026
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