vivida bkk student health insurance costs you 150.56 € a month in 2026 if you are under 23 or have a child, and 155.69 € from age 23 without a child. The vivida bkk additional contribution is 3.79 %. Student cover ends with the semester of your 30th birthday, after which the voluntary minimum without a child is 289.90 €.
vivida bkk student health insurance: the key figures
| Item | Value |
|---|---|
| Additional contribution 2026 | 3.79 % |
| Open to | nationwide, company health insurance fund (Betriebskrankenkasse) |
| Student insurance under 23 (health and care) | 150.56 € per month |
| Student insurance from 23, no children (health and care) | 155.69 € per month |
| Voluntary minimum from 30, no children | 289.90 € per month |
| Voluntary minimum from 30, with a child | 281.99 € 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 vivida bkk itself publishes is the binding one.
What does vivida bkk student health insurance cost?
vivida 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. The fund states the individual amounts of 119.78 € for health insurance and of 30.78 € and 35.91 € for care insurance on its page. The totals follow from this calculation:
- 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 %.
- vivida bkk additional contribution: 3.79 % of 855.00 € gives 32.40 €.
- Health insurance: 87.38 € plus 32.40 € gives 119.78 €.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) without a child from 23.
- Total: 150.56 € under 23 or with a child, 155.69 € 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 vivida 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). 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. vivida bkk names an extension only under certain conditions, and the fund checks these in each individual case. 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 3.79 % additional contribution gives 17.79 %, which is 234.53 €.
- Care insurance: 4.2 % without a child gives 55.37 €; 3.6 % with a child gives 47.46 €.
- Total: 289.90 € without a child (234.53 € plus 55.37 €), 281.99 € with a child (234.53 € plus 47.46 €).
What applies to working students and mini-job earners at vivida bkk?
| Situation | Consequence |
|---|---|
| Working student up to 20 hours a week | According to the fund, up to 20 hours a week is permitted. In lecture-free periods more hours are allowed, but only for up to 26 weeks a year. Source: vivida bkk, Versicherung für Studenten (in German), accessed 25 October 2026, no update date. |
| Mini-job alongside studies | A regular total income of up to 603 € a month does not affect family insurance. |
| Income limit exceeded | Then you move into student insurance and pay your own contribution. Details in Working student: the 20-hour rule (in German). |
Which additional benefits and bonus programmes does vivida bkk list for young insured people?
vivida bkk lists the following offer for students on its page. The page gives no amounts for it.
- Bonus programme “gesund Leben zahlt sich aus”: the page describes the programme but names no euro amounts. Source: vivida bkk, Versicherung für Studenten (in German), accessed 25 October 2026. The page gives no update date.
Which offers suit you depends on your situation. The current conditions are set out in the vivida bkk statutes and on its website. The statutory benefits catalogue is largely the same at all statutory funds.
How do you switch to vivida bkk?
You register with vivida 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 vivida bkk. The new fund’s notification replaces the cancellation, and confirmation from your previous fund follows within two weeks at the latest.
- 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 vivida bkk?
Students are covered by statutory student health insurance under one formula. For 2026, with the additional contribution of 3.79 %, the health insurance part is 119.78 € a month. With care insurance it is 150.56 € under 23 or 155.69 € from 23 without a child.
What is the vivida bkk additional contribution in 2026?
According to the GKV-Spitzenverband fund list it is 3.79 %. Applied to the 855 € assessment basis, this is 32.40 € a month. The average additional contribution is 2.9 %.
How long am I covered by family insurance at vivida 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 vivida bkk cost after 30?
After student insurance ends, the voluntary minimum contribution in 2026 is 289.90 € a month without a child and 281.99 € with a child, each including care insurance. Higher income raises the contribution.
Can I stay with vivida 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 vivida 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 (in German) (additional contribution of vivida bkk, as of 24 October 2026)
- vivida bkk, Versicherung für Studenten (in German) (individual health and care amounts, age limits, working students, 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.
