IKK gesund plus student health insurance costs 116.36 € a month in 2026 without care insurance. With care insurance you pay 147.14 € (under 23 or with a child) or 152.27 € (23 or older, no children). The additional contribution of IKK gesund plus is 3.39 %. After your 30th birthday the voluntary minimum without children is 284.63 €.
At a glance: the facts about IKK gesund plus students
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.39 % |
| Open to | nationwide, open to all students |
| Student insurance under 23 (health and care) | 147.14 € per month |
| Student insurance from 23, no children (health and care) | 152.27 € per month |
| Voluntary minimum from 30, no children | 284.63 € per month |
| Voluntary minimum from 30, with a child | 276.72 € per month |
| Source and date | Additional contribution from the GKV-Spitzenverband fund list (statutory health insurance association), amounts calculated by us, as of 24 October 2026 |
These amounts apply to compulsory statutory student insurance. The additional contribution is set by each fund and can change. The fund itself names the binding rate. The fund’s student page shows the same additional contribution of 28.98 € a month (3.39 %) and the care insurance amounts of 30.78 € and 35.91 €. It states the contribution rates as of 1 January 2025.
What does IKK gesund plus cost for students?
IKK gesund plus offers no freely selectable student tariff. It provides statutory student health insurance (KVdS, Krankenversicherung der Studierenden) under one fixed formula. The fixed assessment basis of 855 € a month applies whether or not you receive BAföG (German student financial aid). The totals in the table follow from this calculation:
- Assessment basis: 855.00 € a month (475 € basic need plus 380 € housing allowance).
- Base contribution: 10.22 % of 855.00 € gives 87.38 €. The rate is seven tenths of the general rate of 14.6 %.
- Additional contribution of IKK gesund plus: 3.39 % of 855.00 € gives 28.98 €.
- Health insurance: 87.38 € plus 28.98 € gives 116.36 €.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) from 23 without children.
- Total: 147.14 € under 23 or with a child, 152.27 € from 23 without children.
One percentage point of additional contribution equals 8.55 € a month for students.
What applies at IKK gesund plus 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 holds as long as your total income in 2026 does not exceed 565 € a month, or 603 € with a mini job (section 10 SGB V, Social Code Book V). The age limit can only be extended by periods of statutory or voluntary service, not by study time. After that you stay with IKK gesund plus as a student at the amounts calculated above. From your 23rd birthday a care insurance surcharge for people without children applies, which adds 5.13 € a month. The glossary entry Familienversicherung im Studium (in German) covers co-insurance in more detail.
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). An extension is possible if the type of training or personal reasons justify it, for example on the second educational path or when raising children. The fund checks this case by case and semester by semester. The guides Krankenversicherung als Student über 30 and Studieren mit 30 (both in German) give details.
Once student insurance ends, you normally stay with IKK gesund plus 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: reference amount of 3,955.00 € divided by 3 gives 1,318.33 € a month.
- Health insurance: reduced rate of 14.0 % plus additional contribution of 3.39 % gives 17.39 %, which is 229.26 €.
- Care insurance: 47.46 € (3.6 %) with a child, 55.37 € (4.2 %) without children.
- Total: 276.72 € with a child, 284.63 € without children.
The minimum applies to low income. With higher income the contribution follows that income, up to the contribution ceiling of 5,812.50 € a month.
What applies to working students and mini jobs at IKK gesund plus?
A working student job or mini job usually changes nothing about your cover with IKK gesund plus while your studies remain the main activity. Weekly hours and earnings decide.
| 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 remains 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 €. |
The classification 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 Werkstudent: 20-Stunden-Regel (in German) describes the details.
Which extra benefits does IKK gesund plus list for young members?
On its pages for students, IKK gesund plus names a subsidy towards a fitness studio, without an amount. The bonus programme “Aktiv gesund plus 2026” describes the bonus as individually designable and does not name students explicitly. The pages we accessed give no euro amounts for other extra benefits. We reproduce the information here without judgement. It comes from the fund and can change. Source: IKK gesund plus, insured as a student and IKK gesund plus, bonus programme (both German), accessed 25 October 2026. The pages give no update date.
Which of these offers suit you depends on your situation. The current conditions are set out in the statutes of IKK gesund plus and on its website. The statutory benefit catalogue is largely the same at all statutory funds.
How do you switch to IKK gesund plus?
You register with IKK gesund plus, which takes over the cancellation with your previous fund. The deadlines are set by section 175 SGB V:
- Right to choose: you can choose your health fund freely from the age of 15. As a student you must make the choice no later than two weeks after your compulsory insurance begins.
- Application: submit the application to IKK gesund plus. Your registration replaces the notice to your previous fund, and the previous fund confirms the change within two weeks at the latest.
- Notice period: membership ends at the close of the second calendar month after notice is given. Notice given in January takes effect on 1 April.
- Commitment: as a rule you are 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 terminate early under the rules of section 175 SGB V. Check the exact deadlines before you give notice.
The guide Krankenkasse wechseln als Student (in German) describes this in detail.
Frequently asked questions
Does IKK gesund plus offer a student tariff?
No. IKK gesund plus provides statutory student health insurance. The contribution follows the statutory formula and, with the 2026 additional contribution of 3.39 %, amounts to 116.36 € a month for health insurance.
What is the additional contribution of IKK gesund plus in 2026?
According to the GKV-Spitzenverband fund list it is 3.39 %. Applied to the assessment basis of 855 €, this is 28.98 € a month. The average additional contribution is 2.9 %.
Until when am I covered by family insurance at IKK gesund plus?
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. After that, student insurance usually follows.
What does IKK gesund plus cost at 30?
After student insurance ends, the voluntary minimum for 2026 is 284.63 € a month without children and 276.72 € with a child, in each case including care insurance. Higher income increases the contribution.
Can I stay with IKK gesund plus as a working student?
Yes, up to 20 hours a week your student insurance continues. If you regularly work more, compulsory insurance as an employee may arise.
When can I leave IKK gesund plus again?
In principle after twelve months of commitment. If the additional contribution rises, the special right of termination applies earlier.
Sources
- GKV-Spitzenverband, fund list (additional contribution of IKK gesund plus, as of 24 October 2026)
- IKK gesund plus, insured as a student (German, accessed 25 October 2026, no update date; contribution rates as of 1 January 2025)
- IKK gesund plus, bonus programme “Aktiv gesund plus 2026” (German, accessed 25 October 2026, no update date)
- 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
If you want to classify your own situation, you can use the Academycon online check.
Related reading
- Krankenkassen für Studierende: alle Kassen im Überblick (in German)
- Zusatzbeiträge 2026 aller Krankenkassen und was Studierende zahlen (in German)
- Barmer für Studierende: Beitrag, Aufnahme und Fakten (in German)
- AOK für Studierende: Regionale Unterschiede, Beitrag und Aufnahme (in German)
- Studieren mit 30: Chancen, Finanzierung und Alltag (in German)
- Werkstudent: 20-Stunden-Regel, Rentenversicherung und Semesterferien (in German)
- Familienversicherung im Studium (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
