SBK 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 SBK charges 150.65 € a month for health and care insurance if you are under 23 or have a child. From 23 without children the amount is 155.78 €. The additional contribution is 3.80 %. This guide is general information and not individual advice.
At a glance: SBK student health insurance 2026
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.80 % |
| Total under 23 or with a child (health and care) | 150.65 € per month |
| Total from 23, no children | 155.78 € per month |
| Voluntary minimum from 30, no children | 290.03 € per month |
| Voluntary minimum from 30, with a child | 282.12 € per month |
| Area of validity | Nationwide |
What does SBK cost as a student?
The SBK 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: 3.80 % of 855.00 € gives 32.49 €.
- Care insurance: 30.78 € under 23 or with a child, 35.91 € from 23 without children.
- Total: 150.65 € under 23 or with a child, 155.78 € from 23 without children. The SBK page shows the same figures.
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 SBK 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. SBK names the income limit as total monthly income of 565 €, 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. From your 23rd birthday without children, a care surcharge applies, which SBK states as 0.6 % of the BAföG needs rate, or 5.13 € a month.
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). SBK states this limit too. An extension is possible in individual cases. 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 3.80 % additional contribution, together 17.80 %, gives 234.66 €.
- Care insurance: 47.46 € with a child, 55.37 € without children.
- Total: 282.12 € with a child, 290.03 € 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 SBK
A side job usually changes nothing about your student insurance as long as studying remains the main activity. The rules at a glance:
| 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 the fund decides individually. The guide Working student: the 20-hour rule (in German) gives an overview.
Which benefits does SBK list?
For students SBK lists a fitness check every 24 months with a subsidy of up to 140 €. The page also mentions a bonus programme but gives no amounts, so we state none. The statutory benefits catalogue is the same at all statutory funds. Source: SBK, student contributions.
How to switch to SBK
- 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 SBK additional contribution in 2026?
It is 3.80 %. On a basis of 855 € that equals 32.49 € a month.
What do I pay as a student at SBK?
Under 23 or with a child it is 150.65 € a month, from 23 without children 155.78 €. The amount applies whether or not you receive BAföG.
What does insurance cost from 30?
As a voluntary member you pay at least 290.03 € a month without children, or 282.12 € with a child. With higher income the contribution rises.
Sources
- SBK, student contributions (no update date given; minimum amounts and bonus figures are not on the page)
- SBK additional contribution 2026: 3.80 % (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)
- SECURVITA 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.
