The decisive factor is how you were insured before your studies. In the following, we will introduce you to different options:
- Variant 1: You are privately insured
- Variant 2: As a civil servant you are entitled to benefits
- Variant 3: You have family insurance
You are privately insured
If you were privately insured before your studies, you can choose the student public health insurance and pay around €124 or decide for a student tariff of private health insurance. ottonova student tariffs are starting from less than €111. With private health insurance you’ll get a fair tariff with very good medical services during your studies.
Especially if you expect a high starting salary or plan to start your own business after graduation, private health insurance is worthwhile.
As a child of a civil servant, you are entitled to benefits
If you were previously insured in a private health insurance plan, you can continue this plan. At the age of 25, your entitlement to benefits ends and you can change to a favorable student tariff.
If you want to remain in private health insurance after your studies, for example, because you want to become a civil servant, this is the right way to go. A change to public health insurance is only possible after graduation.
You are in the family insurance
In public health insurance of your parents, you remain free of charge family insured until the age of 25. After that you must insure yourself in the student health insurance of public health insurance. Working students who work more than 20 hours per week during the lecture period or earn more than 485 euros per month must insure themselves beforehand.
If you want to remain in public health insurance after your studies, this is a good choice. With private supplementary insurance, you can supplement the benefits of your public health insurance.
ottonova's top-up insurances for hospital and dental treatment ensure you the benefits of a private patient with very good value for money.