Guides

A monthly budget template for students covers income, fixed costs and reserves, with a worked example for student health insurance. Last updated October 2026.

A disability insurance test says a lot about policy terms and application questions, and little about your personal situation. This guide shows how to read quality verdicts, test dates and methods.

How retirement provision works with 25 euros a month, which savings options students have and what the reform of private provision means for you.

An abstract referral can limit disability insurance benefits even without a specific job. What it means, why students are affected and how to check your tariff.

Statutory or private health insurance during your Referendariat? A worked example with 2026 rates, the role of health aid (Beihilfe) and the points to check before you decide.

What a shared flat room costs in 2026: national average, BAföG housing allowance, deposit and a check for your specific offer.

What a German student ID card does, what to do if it is lost and when a digital version exists. With fees and examples, last updated October 2026.

Dread disease cover pays on specific serious diagnoses, disability insurance protects your income. Here is what each option does and where its limits are.

Disability insurance premiums often do not fit a student budget. Which interim solutions exist, what they cost, and why cancelling is usually the last option.

In a dual study, university and company practice go together. Here is how the contract, practical phases and employer benefits shape the classification in disability insurance.