Salus BKK offers statutory student health insurance (KVdS, Krankenversicherung der Studierenden). The contribution is based on the monthly BAföG needs rate of 855 € and applies whether or not you receive BAföG. In 2026 the health insurance contribution at Salus BKK is 115.51 € a month. With care insurance the total is 146.29 € (under 23 or with a child) or 151.42 € (from 23, no children). The additional contribution is 3.29 %. This guide is general information and not individual advice.
At a glance: Salus BKK student health insurance 2026
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.29 % |
| Student health insurance (monthly) | 115.51 € |
| Total under 23 or with a child (health and care) | 146.29 € per month |
| Total from 23, no children | 151.42 € per month |
| Voluntary minimum from 30, no children | 283.31 € per month |
| Voluntary minimum from 30, with a child | 275.40 € per month |
| Regional restriction | Not stated on the student page |
What does Salus BKK cost as a student?
The Salus BKK student page states the monthly amounts for 2026. We have recalculated the totals with the statutory formula:
- Assessment basis: 855.00 € a month (BAföG needs rate).
- Base contribution: 10.22 % of 855.00 € gives 87.38 €.
- Additional contribution: 3.29 % of 855.00 € gives 28.13 €.
- Health insurance in total: 115.51 €. This figure also appears on the fund’s page.
- Care insurance: 30.78 € up to age 23, for parents, and from 23 with a child. 35.91 € from 23 without children (the fund page lists both amounts).
- Total: 146.29 € under 23 or with a child, 151.42 € from 23 without children.
To place the additional contribution in context, see Additional contributions 2026 for all health insurance funds (in German). Each percentage point of additional contribution equals about 8.55 € a month for students.
What applies at Salus BKK from 25 and from 30?
Family insurance until 25
Until your 25th birthday you can be covered free of charge through a parent who is a member of a statutory fund. The condition is total income of at most 565 € a month in 2026, or 603 € with a mini job. Only periods of compulsory military or voluntary service extend this age limit, not study time. After that you are insured as a student, and from your 23rd birthday without children you pay the care surcharge of 5.13 € a month. The Salus BKK page states this age limit as well.
Student insurance until 30
Compulsory student insurance ends with the end of the semester in which you turn 30 (section 5(1) no. 9 SGB V). An extension is possible in individual cases, for example during long illness or when caring for a relative. The fund checks such cases individually. The guides Health insurance as a student over 30 and Studying at 30 (both in German) explain the rules in detail.
After that you move to voluntary insurance. A minimum assessment basis applies, calculated with the statutory formula:
- Assessment basis: 3,955.00 € reference amount divided by 3 gives 1,318.33 € a month.
- Health insurance: 14.0 % standard rate plus 3.29 % additional contribution, together 17.29 %, gives 227.94 €.
- Care insurance: 47.46 € with a child, 55.37 € without children.
- Total: 275.40 € with a child, 283.31 € without children.
With higher income the contribution follows that income, up to the contribution ceiling of 5,812.50 € a month.
Working students and mini jobs at Salus BKK
A side job usually changes nothing about your student insurance as long as studying remains the main activity. The Salus BKK student page sets out the following rules:
| Situation | Effect on health insurance |
|---|---|
| Working student up to 20 hours a week | Student insurance continues. Pension insurance becomes compulsory once earnings exceed 603 € a month. |
| More than 20 hours during lecture periods | The student conditions end, and compulsory insurance as an employee may arise. |
| More than 20 hours mainly in semester breaks | Student insurance continues. |
In borderline cases, for example with changing working hours, the fund decides individually. The guide Working student: the 20-hour rule (in German) gives an overview.
Which benefits does Salus BKK list?
The student page refers to a bonus programme but gives no concrete amounts. We therefore do not state any bonus values. The statutory benefits catalogue is the same at all statutory funds. Which additional offers apply to you is shown on the Salus BKK website. Source: Salus BKK, students (in German).
How to switch to Salus BKK
- Under section 175 SGB V you must choose your fund within two weeks after compulsory insurance begins.
- Cancellation with your old fund takes effect at the end of the second calendar month after notice is received.
- After switching you are generally bound for twelve months, except under a special right of termination after a rise in the additional contribution.
The guide Switching health insurance as a student (in German) explains the details.
Frequently asked questions
What is the Salus BKK additional contribution in 2026?
It is 3.29 %. On a basis of 855 € that equals 28.13 € a month.
What do I pay as a student at Salus BKK?
Under 23 or with a child it is 146.29 € a month, from 23 without children 151.42 €. The amount applies whether or not you receive BAföG.
What does insurance cost from 30?
As a voluntary member you pay at least 283.31 € a month without children, or 275.40 € with a child. With higher income the contribution rises.
Sources
- Salus BKK, student health insurance (contributions valid from 1 January 2026, no update date given)
- Salus BKK additional contribution 2026: 3.29 % (project additional contribution list)
- Section 175 SGB V, exercise of the right to choose, section 5 SGB V, section 10 SGB V
To check your own situation, use the Academycon online check.
Related guides
- Health insurance funds for students: overview of all funds (in German)
- Additional contributions 2026 for all funds and what students pay (in German)
- R+V BKK Student Health Insurance: Costs 2026, Over 30 and Benefits
- Family insurance during studies (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
