Guides

How you are insured during the pharmacy practical year and on the route into psychotherapy, with the rules on student cover, family cover and licensure.

The minimum contribution base for voluntary members is 1,318.33 euros a month in 2026. Here is how it affects the health insurance contribution.

How law students are insured from enrolment through exam preparation and the legal traineeship to career entry, with the key rules and deadlines.

The midijob transition zone covers earnings of 603.01 to 2,000 euros a month in 2026, with social security contributions from the first euro. See below.

How teacher trainees are insured from studies through the traineeship with state aid to career entry, with the key rules, options and deadlines.

Short answer As a civil servant on probation (Beamter auf Widerruf), for example in teacher training, you are not compulsorily insured, but you can voluntarily remain in statutory health insurance (gesetzliche Krankenversicherung, GKV). You pay the health and long-term care contributions alone. A subsidy is only available through flat-rate aid (pauschale Beihilfe) in some federal … Read more

Compulsory student health insurance (KVdS) in Germany uses a base of 855 euros a month for 2026. The age limit is 30. Here is the calculation.

Voluntary health insurance in Germany is based on at least 1,318.33 euros a month in 2026, even if you earn less. Here is an example with the numbers.

Student family insurance in 2026 has a 565 euro income limit and an age limit of 25. Here is when it applies, and how it compares with the KVdS.

Short answer As a civil servant on probation during the trainee period, you are entitled to civil servant health aid (Beihilfe). At federal level it pays 50 percent of your eligible medical costs, 70 percent for spouses or registered partners and 80 percent for children. The states have their own rules. You insure the remainder … Read more