As a student with Mobil Krankenkasse you pay 120.64 € a month for health insurance in 2026. With care insurance the total is 151.42 € (under 23 or with a child) or 156.55 € (from 23, no children). The additional contribution is 3.89 %. Student insurance ends with the semester of your 30th birthday, after which the voluntary minimum without children is 291.22 € a month.
According to the GKV-Spitzenverband fund list, Mobil Krankenkasse is open nationwide. On its student page the fund gives no details on admission.
At a glance: Mobil Krankenkasse facts
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.89 % |
| Open to | nationwide |
| Student insurance under 23 (health and care) | 151.42 € per month |
| Student insurance from 23, no children (health and care) | 156.55 € per month |
| Voluntary minimum from 30, no children | 291.22 € per month |
| Voluntary minimum from 30, with a child | 283.31 € per month |
| Source and date | Additional contribution from the GKV-Spitzenverband fund list, 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 rate that Mobil Krankenkasse itself publishes is the binding one.
What does Mobil Krankenkasse cost as a student?
Mobil Krankenkasse offers no freely selectable student tariff. It provides statutory student health insurance (KVdS, Krankenversicherung der Studierenden) under one formula. The contribution rests on a fixed assessment basis of 855 € a month and does not depend on whether you receive BAföG. On its student page the fund states 120.64 € for health insurance and 30.78 € for care insurance, valid from 1 January 2026. The page was retrieved on 25 October 2026 and shows no update date.
- Assessment basis: 855.00 € a month.
- Base contribution: 10.22 % of 855.00 € gives 87.38 €. The rate equals seven tenths of the general rate of 14.6 %.
- Mobil Krankenkasse additional contribution: 3.89 % of 855.00 € gives 33.26 €.
- Health insurance: 87.38 € plus 33.26 € gives 120.64 €.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) from 23 without children.
- Total: 151.42 € under 23 or with a child, 156.55 € from 23 without children.
One percentage point of additional contribution equals 8.55 € a month for students. The guide Zusatzbeiträge 2026 aller Krankenkassen (in German) shows how the Mobil Krankenkasse rate compares with all other funds.
What applies at Mobil Krankenkasse from 25 and from 30?
Family insurance ends at 25
Until your 25th birthday you can be covered free of charge through a parent, provided the parent is a member of a statutory fund. This holds while 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 study time. 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 free 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). 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 checks this case by case. The guides Krankenversicherung als Student über 30 and Studieren mit 30 (both in German) give details.
Once student insurance ends, you normally stay with Mobil Krankenkasse 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 basis: 3,955.00 € reference amount divided by 3 gives 1,318.33 € a month.
- Health insurance: reduced rate of 14.0 % plus additional contribution of 3.89 % gives 17.89 %, which is 235.85 €.
- 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.
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 Mobil Krankenkasse?
Mobil Krankenkasse states no separate rules for working student jobs or mini jobs on its page for students. The statutory rules apply, and they are the same at all statutory funds. Weekly hours and earnings decide.
| Situation | Effect on health insurance |
|---|---|
| Working student up to 20 hours a week | As a rule the job triggers no health or care insurance contributions, and student insurance continues. |
| 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 €. |
For borderline cases such as night work, semester breaks or several jobs, the fund decides case by case. The guide Werkstudent: 20-Stunden-Regel, Rentenversicherung und Semesterferien (in German) describes the details.
Which extra benefits and bonus schemes does Mobil Krankenkasse list for young members?
The fund’s home page lists several offers. It does not describe a separate group for young members or students. We report the bonus programme here without judgement. The details come from the fund and can change.
- Bonus programme fitforcash: The page names a maximum of 300 € per calendar year. Of this, 200 € come from the basic bonus with doubling and 100 € from the starter bonus for first-time participation. The basic bonus covers up to 100 € in four bonus fields of 25 € each: sport, vaccination, health course and preventive care. Submitted invoices for fitness and health costs can double it up to twice its amount, and invoices for which a co-payment was already made do not count. The application must reach the fund by 31 March of the following year. Source: Mobil Krankenkasse, bonus programme fitforcash (in German), retrieved 25 October 2026, the page shows no update date.
Which offers suit you depends on your situation. The current terms are published on the Mobil Krankenkasse website. The statutory benefits catalogue is largely the same at all statutory funds.
How do you switch to Mobil Krankenkasse?
You register with Mobil Krankenkasse and it handles the cancellation with your previous fund. Section 175 SGB V sets the deadlines:
- Right to choose: You can choose your fund freely 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 to Mobil Krankenkasse. The new fund’s registration 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 the month of your notice. If you give notice in January, you switch on 1 April.
- Lock-in: 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 lock-in then does not matter. Notice only takes effect if you prove other cover.
The guide Krankenkasse wechseln als Student: Fristen, Ablauf und Sonderkündigungsrecht (in German) explains this in detail.
Frequently asked questions
Does Mobil Krankenkasse have a student tariff?
No. Mobil Krankenkasse offers statutory student health insurance. The contribution follows the legal formula and in 2026 comes to 120.64 € a month for health insurance with the 3.89 % additional contribution.
How high is the Mobil Krankenkasse additional contribution in 2026?
It is 3.89 % according to the GKV-Spitzenverband fund list. On the basis of 855 € that is 33.26 € a month. The average additional contribution is 2.9 %.
Until when am I covered by family insurance at Mobil Krankenkasse?
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.
What does Mobil Krankenkasse cost at 30?
After student insurance ends, the voluntary minimum in 2026 is 291.22 € a month without children and 283.31 € with a child, both including care insurance. With higher income the contribution rises.
Can I stay with Mobil Krankenkasse as a working student?
Yes, up to 20 hours a week student insurance normally continues. If you work regularly more, compulsory insurance as an employee may arise.
When can I leave Mobil Krankenkasse again?
Generally after a twelve-month lock-in, or earlier through the special right of termination if the additional contribution rises.
Sources
- GKV-Spitzenverband, fund list (Mobil Krankenkasse additional contribution and region, as of 24 October 2026)
- Mobil Krankenkasse, students (retrieved 25 October 2026, contributions valid from 1 January 2026, the page shows no update date)
- Mobil Krankenkasse, bonus programme fitforcash (in German, retrieved 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, assessment basis
- GKV-Spitzenverband, fact sheet on 2026 reference figures
If you want to place your own situation, you can use the Academycon online check.
Related guides
- Krankenkassen für Studierende: alle Kassen im Überblick (in German)
- Zusatzbeiträge 2026 aller Krankenkassen und was Studierende zahlen (in German)
- Krankenkasse wechseln als Student: Fristen, Ablauf und Sonderkündigungsrecht (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)
- AOK für Studierende: Beitrag, Aufnahme und Fakten (in German)
- Barmer und DAK für Studierende: Beitrag, Aufnahme und Fakten (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
