TUI BKK student health insurance costs you 139.54 € a month in 2026 if you are under 23 or have a child, and 144.67 € from age 23 without a child. The TUI BKK additional contribution is 2.50 %. Student cover ends with the semester of your 30th birthday, after which the voluntary minimum without a child is 272.89 €.
TUI BKK student health insurance: the key figures
| Item | Value |
|---|---|
| Additional contribution 2026 | 2.50 % |
| Open to | nationwide, company health insurance fund (Betriebskrankenkasse) |
| Student insurance under 23 (health and care) | 139.54 € per month |
| Student insurance from 23, no children (health and care) | 144.67 € per month |
| Voluntary minimum from 30, no children | 272.89 € per month |
| Voluntary minimum from 30, with a child | 264.98 € per month |
| Source and date | Additional contribution from the GKV-Spitzenverband fund list; amounts calculated by us; as of 24 October 2026 |
These amounts apply to compulsory statutory student insurance. The additional contribution is set by each fund and can change. The rate that TUI BKK itself publishes is the binding one.
What does TUI BKK student health insurance cost?
TUI BKK provides statutory student health insurance (KVdS, Krankenversicherung der Studierenden) under one formula. The contribution rests on a fixed basis of 855 € a month, which matches the BAföG needs rate, and applies whether or not you receive BAföG. Here is the calculation step by step:
- Basis: 855.00 € per month (475 € basic need plus 380 € housing allowance).
- Basic contribution: 10.22 % of 855.00 € gives 87.38 €. This rate is seven tenths of the general contribution rate of 14.6 %.
- TUI BKK additional contribution: 2.50 % of 855.00 € gives 21.38 €.
- Health insurance: 87.38 € plus 21.38 € gives 108.76 €.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) without a child from 23.
- Total: 139.54 € under 23 or with a child, 144.67 € without a child from 23.
One percentage point of additional contribution equals 8.55 € a month for students. The table of all funds is in our guide Zusatzbeiträge 2026 aller Krankenkassen und was Studierende zahlen (in German).
What applies with TUI BKK from 25 and from 30?
Family insurance ends at 25
Until your 25th birthday you can be insured as a family member through a parent who is a member of a statutory fund, as long as your total income in 2026 is no more than 565 € a month, or 603 € for a mini-job (§ 10 SGB V). TUI BKK states on its website that the age limit is extended if you have completed a voluntary service. From your 23rd birthday the care surcharge for people without children applies, which is 5.13 € more a month. More on this in our glossary entry Family insurance during studies (in German).
Student insurance ends at 30
Compulsory student insurance ends at the end of the semester in which you turn 30 (§ 5 para. 1 no. 9 SGB V). Since 2020 there is no maximum number of subject semesters, so the age limit is decisive. According to TUI BKK, an extension is possible only in exceptional cases, and the fund reviews each case individually. Details are in Health insurance as a student over 30 (in German) and Studying at 30 (in German).
The voluntary minimum contribution after student insurance ends is calculated as follows:
- Minimum assessment basis: 1,318.33 € per month.
- Health insurance: 14.0 % plus the 2.50 % additional contribution gives 16.5 %, which is 217.52 €.
- Care insurance: 4.2 % without a child gives 55.37 €; 3.6 % with a child gives 47.46 €.
- Total: 272.89 € without a child (217.52 € plus 55.37 €), 264.98 € with a child (217.52 € plus 47.46 €).
What applies to working students and mini-job earners at TUI BKK?
| Situation | Consequence |
|---|---|
| Working student up to 20 hours a week | Student insurance continues. Details in Working student: the 20-hour rule (in German). |
| Mini-job alongside studies | Earnings up to 603 € a month do not affect family insurance up to age 25. The fund assesses individual cases. |
| Permanently more than 20 hours a week | Compulsory insurance as an employee may apply. See the same guide. |
Which additional benefits and bonus programmes does TUI BKK list for young insured people?
TUI BKK lists the following offers on its websites. Each item shows its source and date.
- Prevention courses: subsidy of up to 155 € a year. Source: tui-bkk.de, Versicherung (in German), accessed 25 October 2026. The page gives no update date.
- BKK AktivPlus: bonus for health-conscious members of 10 € for a health check-up and cancer screening, and 5 € for vaccination, a dental check-up and professional teeth cleaning. The fitness bonus is at most 5 € per activity. The page names no annual maximum. Source: TUI BKK, BKK AktivPlus (in German), accessed 25 October 2026, no update date.
- BKK CashPlus: optional tariff under which one monthly contribution is refunded as a premium if no benefits are claimed during the year. Preventive and check-up services other than spa treatments do not count as benefits. The page does not name the premium amount. Source: tui-bkk.de, Versicherung (in German), accessed 25 October 2026, no update date.
Which offers suit you depends on your situation. The current conditions are set out in the TUI BKK statutes and on its website. The statutory benefits catalogue is largely the same at all statutory funds.
How do you switch to TUI BKK?
You register with TUI BKK, and the new fund takes care of cancelling your current membership. The deadlines are set by § 175 SGB V:
- Right to choose: from age 15 you may choose your fund freely. As a student you must choose your fund within two weeks of the start of compulsory insurance.
- Application: submit the application to TUI BKK. For enrolment at university, request the proof of insurance through the app “meine TUI BKK”.
- Notice period: membership ends at the end of the second calendar month after notice is given. Anyone who gives notice in January switches on 1 April.
- Binding period: you are generally bound to the new fund for twelve months. This does not apply if membership ends by law, for example when family insurance ends.
- Special right of termination: if your fund raises its additional contribution, you may terminate by the end of the month from which the higher rate applies. Termination takes effect only once you can prove other cover.
Switching health insurance as a student (in German) explains the process in detail.
Frequently asked questions
Is there a student tariff at TUI BKK?
Students are covered by statutory student health insurance under one formula. For 2026, with the additional contribution of 2.50 %, the health insurance part is 108.76 € a month. With care insurance it is 139.54 € under 23 or 144.67 € from 23 without a child.
What is the TUI BKK additional contribution in 2026?
According to the GKV-Spitzenverband fund list it is 2.50 %. Applied to the 855 € assessment basis, this is 21.38 € a month. The average additional contribution is 2.9 %.
How long am I covered by family insurance at TUI BKK?
As a student until your 25th birthday, if your total income in 2026 is no more than 565 € a month, or 603 € for a mini-job. After that, student insurance usually follows.
What does TUI BKK cost after 30?
After student insurance ends, the voluntary minimum contribution in 2026 is 272.89 € a month without a child and 264.98 € with a child, each including care insurance. Higher income raises the contribution.
Can I stay with TUI BKK as a working student?
Up to 20 hours a week, student insurance continues. If you work more than that on a permanent basis, compulsory insurance as an employee can arise.
When can I leave TUI BKK again?
In principle after a binding period of twelve months. If the additional contribution rises, you can leave earlier under the special right of termination.
Sources
- GKV-Spitzenverband, fund list (additional contribution of TUI BKK, as of 24 October 2026)
- TUI BKK, Versicherung (in German) (age limits, prevention courses, optional tariff, accessed 25 October 2026, no update date)
- TUI BKK, BKK AktivPlus (in German) (accessed 25 October 2026, no update date)
- § 175 SGB V (in German), § 5 SGB V (in German), § 10 SGB V (in German)
- GKV-Spitzenverband, Faktenblatt Rechengrößen 2026 (in German)
If you want to classify your own situation, you can use the Academycon Online Check (in German).
Related reading
- Health insurance funds for students: all funds at a glance
- Additional contribution 2026 for all funds and what students pay (in German)
- Switching health insurance as a student (in German)
- Studying at 30 (in German)
- Working student: the 20-hour rule (in German)
- Family insurance during studies (in German)
- BKK Dürkopp Adler for students (in German)
- BKK Linde for students (in German)
Last updated: October 2026. This guide is general information, not individual advice. The German version is authoritative.
