Student contributions include health and long-term care insurance. Get help with your application and university M10 notification, plus our incoming travel insurance offer.
For eligible students under 23 without children. From age 23 without children: €151.42 per month.
One application for students and employees · Email: [email protected]
Students pay the applicable student rate; employees contribute according to their assessable income. Long-term care insurance is a separate part of the total.
| Your circumstances | Health insurance, including supplementary contribution | Long-term care insurance | Total / month |
|---|---|---|---|
| Under 23, without children | €115.51 | €30.78 | €146.29 |
| Age 23 or over, without children | €115.51 | €35.91 | €151.42 |
| With one child | €115.51 | €30.78 | €146.29 |
The health insurance contribution consists of the €87.38 base contribution and the €28.13 BARMER supplementary contribution. Long-term care contributions may be lower if you have several children under 25; your actual contribution is subject to assessment.
The general employee health insurance rate is 17.89%, shared equally between employee and employer. Contributions are based on assessable income, up to the contribution ceiling.
Long-term care insurance is additional. The rate depends on factors including age, children and the region where you work.
Student rates normally end at the close of the semester in which you turn 30. Any extension, voluntary public insurance or other membership arrangement depends on your individual circumstances.
Voluntary public insurance is generally income-based; the student contributions above cannot simply be carried over.
The same application supports different membership situations. Your course, employment relationship and existing insurance determine the appropriate arrangement.
You can apply if you are enrolled at a German university and meet the requirements for public student health insurance. Exchange students should also check their existing cover and exchange programme arrangements.
Eligibility is assessed according to your employment and social insurance status. Have your starting date, employer and previous insurance details ready. Contributions are normally handled through payroll.
Submit your switching details and confirm any binding period with your current insurer and the start date of your new cover. Members with optional tariffs should also check those contracts.
These situations do not automatically qualify for student rates. Contact us first so that your studies, income and insurance history can be assessed.
Outpatient care, hospital treatment, prescriptions, basic dental treatment and preventive care are provided under public health insurance rules. Some services involve statutory co-payments, age limits or prior approval.
Collect BARMER Bonus points through recognised activities such as sport and preventive check-ups. Redeem them for up to €100 in cash or up to €200 towards eligible health expenses.
Both options use the same annual points allowance, so the two maximum amounts cannot be added together. Reimbursement of health expenses requires eligible receipts.
BARMER covers HPV vaccination for eligible male and female members within the age limit. Adult members generally pay first and submit their invoice through Meine Barmer.
Ask your doctor about the vaccination schedule. If you are approaching the age limit, confirm the reimbursement conditions for each dose in advance.
Routine dental check-ups and eligible tartar removal are statutory benefits. Professional dental cleaning (PZR) usually has to be paid for privately; bonus points may help cover the cost.
Professional dental cleaning and routine tartar removal are different services. This does not mean every member receives a free professional cleaning each year.
Use the app or website to submit invoices and documents, read messages and manage bonus rewards. You can also request an electronic insurance status notification for your university.
Get help with your application, membership start date and university documents. Email our team or use the Insurance support chat button on this website for general questions.
We help with application questions, additional documents, membership progress and university insurance notifications. STU does not charge an extra application assistance fee; insurance contributions are assessed by BARMER.
When applying for BARMER through STU, ask about our complimentary incoming travel insurance arrangement. Tell us your planned arrival date and the start of your studies or employment so that the cover can be coordinated.
Eligibility, duration and actual cover dates are subject to confirmation. Incoming travel insurance and BARMER public health insurance are separate types of cover, each subject to its own policy or membership confirmation.
Choose your student or employment status and provide your personal details, intended starting date, university or employer, and existing insurance information.
Supply admission, enrolment or employment documents as requested. Your starting date and the relevant confirmation are issued after assessment.
Students request an M10 notification for their university. Employees give their membership details to their employer, who handles social insurance registration through the employment process.
Processing time depends on complete documents and the insurer’s assessment. Submitting an application does not mean your cover has started immediately or your university has received its notification.
Tell us about any employment, family members or existing insurance so that your membership arrangement can be confirmed accurately.
Students, employees and eligible people switching insurers can use the same application. For help in English, email [email protected] or use the Insurance support chat button on this website.
