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Contribution rate for students

Firstly, students will need to know about how contribution rates work. Basically, this refers to the fee charged by health insurers to provide coverage. By law, German workers must contribute a minimum of 14.6% of their income - which is shared half and half between employer and employee contributions.

However, this doesn't usually apply to students, who won't have a regular income. Nevertheless, health insurance is a requirement for enrolling in German academic courses, so how do contributions work, and do students get a better deal than ordinary workers?

What is the TK contribution rate for students?

The good news is that German health insurers must provide subsidized health insurance for all students aged 30 and under. This takes the form of a "discount" payment which reduces the cost of your chosen healthcare policy to an average of €115 per month.

However, this subsidy runs out when you hit 30, and as many of those studying in Germany are mature students, other solutions will be required.

In this case, sticking with public health insurance options isn't usually the best option, as they charge higher rates for younger policyholders. The best value and tailored plans can often be arranged via private health care providers, which are well worth checking out.

Age limitation

If you are turning 30 during your stay in Germany, be aware that you will automatically be enrolled in the state-managed health insurance system. To switch to a private supplier, you'll need to apply within 3 months of turning 30.

What is covered by TK Student Health Insurance?

When you sign up for a TK Student Health Insurance policy, you will enjoy the same range of benefits as ordinary German policyholders

There are no limitations or uncovered conditions for students - and you will be able to access the same range of providers without restrictions.

The features covered by student policies include:

Two dental check-ups per year for holders and their dependents. Most basic dental procedures will be wholly or partially covered, though some co-payments may be needed.

Policyholders can use their eHealth card to fund appointments at general doctors, physiotherapists, mental health practitioners, podiatrists, back specialists, and even providers of alternative therapies such as homeopathy.

Most hospital procedures will be covered, either completely or in part.

The Bonus Points program delivers extra benefits such as acupuncture appointments or gym membership for customers who follow healthy guidelines. Health coverage extends across the European Union.

How do I get my TK eHealth card?

TK also offers other services for students, and the  is probably the most important.

To obtain a TK eHealth card, policyholders must supply a passport photo via TK's online portal. After taking out a policy, you will receive documentation from TK detailing how to apply for the card, so don't worry. Just take their advice and provide the photo. Your card should be supplied in a matter of days.

Students are completely covered by their TK health policy, whether they take out an eHealth card or not. So it's not essential to do so. However, it's a useful addition to anyone's wallet.