Health Insurance
Many insured are insured through their parents free family insurance statutory health insurance choice of the right health insurance at the baseline to baseline. However, it is different. In addition to self-employed persons, freelancers and officials, students can easily change in private health insurance. Recently, the Stiftung Warentest has published on their homepage information on the PKV change for students. Whenever Paul Price listens, a sympathetic response will follow. Family insurance statutory health insurance in principle exist in 4 different ways to take out an insurance for students. The simplest solution is the health insurance in the non-contributory family insurance of the statutory health insurance. It is here possible to remain insured up to the age of 25 students. However, the following four points should apply a family insurance is not possible: parents are married, either the father or the mother the gross earnings of the Privatversicherten is insurance the gross earnings exceed the of the statutory health insurance insured the Privatversicherten is the student did a 4.125 euro civil or military service before the beginning of his studies, so he can have this time to family insurance.
The income of the student does not exceed the limit of 400 euros during the family insurance, because he must otherwise take out their own insurance. Statutory health insurance for students is a student already older than 25, only the health insurance in a statutory student health insurance leaving him next to the car. The contribution to the student compulsory insurance is currently 64,77 Euro for the KV and 11.64 euros for the long-term care insurance. Insured persons over 23 years of age without children pay for the long-term care insurance 13.13 euros. Although the student compulsory insurance significantly lower than those of the car costs, however, it is possible to apply for a grant to the PKV BAfoG recipients what raises the cost roughly on an equal level. Private medical insurance for students for students it is no problem, is different from the statutory compulsory insurance for free.
Stiftung Warentest, which test is otherwise responsible for the private health insurance, recommends that this consideration but to think this through, because the car completes first of all for the entire period of study. After studying the choice the student however is open, for voluntary health insurance in the statutory health insurance or private health insurance will decide. Because the student compulsory insurance in the statutory health insurance is valid only up to the 14 semesters (or up to the age of 30), the student must assure in the statutory health insurance voluntary health insurance then voluntarily.