Students always have the health insurance choice prior to enrollment in the study are the parents or the prospective students the following question: what is with the health insurance coverage while studying. Every prospective student has the possibility to decide whether he changes in the statutory health insurance (GKV) or in the private Krankenversicherung (PKV) prior to the study itself. Basically always the situation is the pivotal point. Is the prospective student currently still with the parents about the family insurance statutory health insurance ( 10 family insurance) insured, this can continue to age of there insured typically up to 25 under the listed conditions. If the prospective student is in the private health insurance, he has the opportunity before enrolling his planned studies (status change: Student => student) to change in the statutory health insurance (GKV) ( 8 paragraph 1 No. 5 SGB V).
It is also always important in which country the study is carried out. Study outside Germany should be completed, usually the appropriate universities offer an own coverage. Here, however, it may cause an insurance gap during semester holidays at home. We recommend to keep the private Krankenversicherung (PKV) usually in these cases, if there is a cover. This should not be a student abroad insurance should be completed at home covering temporary stays. Here, then, he receives the student rate (health insurance and long-term care insurance), which has a very low monthly fee.