SKD BKK offers statutory student health insurance (KVdS, Krankenversicherung der Studierenden), but only in certain federal states. 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 SKD BKK is 112.86 € a month. With care insurance the total is 143.64 € (with a child) or 148.77 € (without children). The additional contribution is 2.98 %. This guide is general information and not individual advice.
At a glance: SKD BKK student health insurance 2026
| Item | Value |
|---|---|
| Additional contribution 2026 | 2.98 % |
| Student health insurance (monthly) | 112.86 € |
| Total with a child (health and care) | 143.64 € per month |
| Total without children | 148.77 € per month |
| Voluntary minimum from 30, no children | 279.22 € per month |
| Voluntary minimum from 30, with a child | 271.31 € per month |
| Area of validity | 11 federal states, see below |
What does SKD BKK cost as a student?
The SKD 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: 2.98 % of 855.00 € gives 25.48 €.
- Health insurance in total: 112.86 €. This figure is also stated on the fund’s page.
- Care insurance: 30.78 € with a child, 35.91 € without children. The fund notes that the care contribution can vary with age and family situation.
- Total: 143.64 € with a child, 148.77 € 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.
Where is the SKD BKK offer available?
The student insurance of SKD BKK applies only if your place of residence or work lies in an area where the fund is open. According to the fund’s page these are:
- Bavaria, Baden-Württemberg, Berlin, Bremen, Hamburg, Hesse
- Lower Saxony, North Rhine-Westphalia, Saarland, Saxony, Schleswig-Holstein
Rhineland-Palatinate, Thuringia, Saxony-Anhalt, Brandenburg and Mecklenburg-Western Pomerania are not listed. If you study or live there, check with the fund before switching whether it will accept you.
What applies at SKD 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. SKD BKK names the income limit as 565 € a month, or 603 € with a mini job. The age limit can be extended in certain cases, for example after compulsory military or voluntary service. After that you are insured as a student.
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). Exceptions are possible. 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 2.98 % additional contribution, together 16.98 %, gives 223.85 €.
- Care insurance: 47.46 € with a child, 55.37 € without children.
- Total: 271.31 € with a child, 279.22 € 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 SKD BKK
SKD BKK names the working student rule of up to 20 hours a week, with exceptions during semester breaks. 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 SKD BKK list with amounts?
The student page lists a few benefits with fixed subsidies:
- Professional teeth cleaning: 100 % of the cost, once per calendar year.
- Osteopathy: 100 % for up to 5 treatments per calendar year, with a doctor’s prescription.
- Health courses: 100 % for up to 2 certified courses per calendar year.
- Travel vaccinations: 100 %.
- Sports medicine check-up: 100 % subsidy every 2 years.
The page also mentions further offers such as yoga, Pilates and a bonus programme without amounts, so we state no sums for them. The statutory benefits catalogue is the same at all statutory funds. Source: SKD BKK, health insurance for students (in German).
How to switch to SKD 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 SKD BKK additional contribution in 2026?
It is 2.98 %. On a basis of 855 € that equals 25.48 € a month.
What do I pay as a student at SKD BKK?
With a child it is 143.64 € a month, without children 148.77 €. The amount applies whether or not you receive BAföG, as long as your place of residence or work is in an open area.
What does insurance cost from 30?
As a voluntary member you pay at least 279.22 € a month without children, or 271.31 € with a child. With higher income the contribution rises.
Sources
- SKD BKK, health insurance for students (published 25 August 2026, last changed 29 September 2026)
- SKD BKK additional contribution 2026: 2.98 % (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)
- SBK 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.
