Wintersemester beginnt bald: Studienstart: Welche Versicherungen jetzt wichtig sind

As autumn arrives, many young individuals are starting their studies. Alongside registration, moving, and preparatory courses, students should also consider acquiring the right insurance coverage. The Bund of Insured (BdV) advises on which policies are essential: compulsory health insuranceYoung people can often be covered under their parents' health insurance during their studies, known as family insurance, which generally extends until the age of 25.

The regular total income of a student cannot exceed 565 euros in 2026. If the income comes solely from low-paid employment, the limit is 603 euros. If parents are privately insured or the student's income exceeds the limit, students must arrange their own health insurance.Students can opt for a private health insurance or the contributory student health insurance (KVdS).

It is crucial to have private liability insurance as well, which protects against the financial consequences of causing damage to others. During initial education, young people are usually covered under their parents' household insurance, provided there is a family policy. Additional considerations apply if the residence is elsewhere, and age limits apply.

Checking the fine print or contacting the insurer is advisable. Students who have completed their first degree, are switching from a master's program to a bachelor's program without immediately pursuing it, or are beginning an apprenticeship may need their own insurance contract. Early protection of one's ability to work, such as through a disability insurance policy, can be beneficial for young people just entering the workforce, as it can mitigate the financial impact of an accident or illness preventing them from working. The BdV recommends seeking independent, specialized advice before purchasing a policy.