Guides

What voluntary health insurance costs at minimum in 2026, when pension insurance is compulsory and which cover founders need after graduation.

For computer science students the job description often decides the classification. We show what to check for screen work, freelance projects and health questions.

During a semester abroad a dental supplement does not pay automatically. What statutory insurance covers, which tariff points matter and what is planned for 2027.

In North Rhine-Westphalia, chamber members belong to the PTV pension scheme. The chamber states that employees cannot be exempt. Learn what applies and where the limits lie.

For a semester abroad you have three account routes: keep your German account, open a local one or use a non-resident account. Fees, EU rules and residence questions.

Master in Canada: since 1 September 2026, a study permit applicant outside Quebec needs CAD 23,448 for living costs. Tuition comes on top. Figures as of October 2026.

Employed architects in Germany often face two pension obligations at once. Learn when the chamber scheme applies, how exemption works and which deadline matters.

A semester abroad does not automatically end child benefit. Residence of the child, place of study and type of training decide, with the 2026 and 2027 amounts.

How new doctors in Saxony-Anhalt can apply for exemption from statutory pension insurance, which three-month deadline applies, and how to check the contribution.

The Ärzteversorgung Hamburg (physicians’ pension scheme) for career starters: who joins, how the exemption under § 6 SGB VI works and where the figures are.