WMF BKK student health insurance costs you 142.53 € a month in 2026 if you are under 23 or have a child, and 147.66 € from age 23 without a child. The WMF BKK additional contribution is 2.85 %. Student cover ends with the semester of your 30th birthday, after which the voluntary minimum without a child is 277.51 €.
WMF BKK student health insurance: the key figures
| Item | Value |
|---|---|
| Additional contribution 2026 | 2.85 % |
| Open to | nationwide, company health insurance fund (Betriebskrankenkasse) |
| Student insurance under 23 (health and care) | 142.53 € per month |
| Student insurance from 23, no children (health and care) | 147.66 € per month |
| Voluntary minimum from 30, no children | 277.51 € per month |
| Voluntary minimum from 30, with a child | 269.60 € 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 WMF BKK itself publishes is the binding one.
What does WMF BKK student health insurance cost?
WMF 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 %.
- WMF BKK additional contribution: 2.85 % of 855.00 € gives 24.37 €.
- Health insurance: 87.38 € plus 24.37 € gives 111.75 €.
- Care insurance: 30.78 € (3.6 %) under 23 or with a child, 35.91 € (4.2 %) without a child from 23.
- Total: 142.53 € under 23 or with a child, 147.66 € 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 WMF 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). The age limit can be extended only for periods of statutory or voluntary service, not for study periods. 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. An extension is possible if the type of training or personal reasons justify going beyond the limit. 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 2.85 % additional contribution gives 16.85 %, which is 222.14 €.
- Care insurance: 4.2 % without a child gives 55.37 €; 3.6 % with a child gives 47.46 €.
- Total: 277.51 € without a child (222.14 € plus 55.37 €), 269.60 € with a child (222.14 € plus 47.46 €).
What applies to working students and mini-job earners at WMF 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 WMF BKK list for young insured people?
The WMF BKK homepage lists general bonus offers for its members. The page does not name offers aimed specifically at students. Examples with amounts from the homepage:
- 400 euros for health courses and 400 euros for vaccinations. Source: wmf-bkk.de, homepage (in German), accessed 25 October 2026. The page gives no update date.
- 150 euros grant towards the EGYM Wellpass, stated as 12.50 euros a month. Source: wmf-bkk.de, homepage (in German), accessed 25 October 2026, no update date.
- 20 euros for professional teeth cleaning and 50 euros bonus for a fitness studio or sports club. Source: wmf-bkk.de, homepage (in German), accessed 25 October 2026, no update date.
The page describes these amounts as benefits of membership. Whether and to what extent they apply to you as a student is best clarified directly with the fund. The statutory benefits catalogue is largely the same at all statutory funds.
How do you switch to WMF BKK?
You register with WMF 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 WMF 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 WMF BKK?
Students are covered by statutory student health insurance under one formula. For 2026, with the additional contribution of 2.85 %, the health insurance part is 111.75 € a month. With care insurance it is 142.53 € under 23 or 147.66 € from 23 without a child.
What is the WMF BKK additional contribution in 2026?
According to the GKV-Spitzenverband fund list it is 2.85 %. Applied to the 855 € assessment basis, this is 24.37 € a month. The average additional contribution is 2.9 %.
How long am I covered by family insurance at WMF 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 WMF BKK cost after 30?
After student insurance ends, the voluntary minimum contribution in 2026 is 277.51 € a month without a child and 269.60 € with a child, each including care insurance. Higher income raises the contribution.
Can I stay with WMF 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 WMF 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 WMF BKK, as of 24 October 2026)
- WMF BKK, homepage (in German) (bonus offers with amounts, 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.
