Definition of student family insurance
Student family insurance (Familienversicherung) is the free co-insurance of spouses, registered partners and children of statutory insured members. For students, the child rule up to age 25 during training or studies is the key point. Family insurance takes precedence over the KVdS where its conditions are met.
Value (as of 20 October 2026)
| Figure | Value | Status | Source |
|---|---|---|---|
| Income limit (total income) | 565 euros a month | 2026, official | Section 10(1) no. 5 SGB V |
| Special case, minijob only | 603 euros a month | 2026, official | Section 10(1) sentence 5 SGB V |
| Income limit 2027 | 590 euros a month | draft ordinance, not binding | Social Insurance Calculation Figures Ordinance 2027 |
| Age limit for children in training | up to 25 | applicable law | Section 10(2) no. 3 SGB V |
Example
You have 540 euros from a minijob and 20 euros of interest income. Your total income is therefore 560 euros, below 565 euros. Family insurance remains in place if you meet the other conditions. If income above 565 euros is added, family insurance generally ends.
Related terms
KVdS (student health insurance), minijob, age limit, total income (Gesamteinkommen), family insurance through a spouse.
Further articles
- Family insurance as a student: how long you are covered (in German)
- Family insurance as a student under 25: income limit and conditions (in German)
Sources
Section 10 SGB V, GKV-Spitzenverband, fact sheet on contribution calculation figures 2026, Minijob-Zentrale, minor-employment limit 2027. As of 20 October 2026.
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
Editorial team: Academycon
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