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    Health Insurance for Foreigners in Germany
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    DAK-Gesundheit (Werkstudent / mini-job, M10 included)ab nur ca. 135,52 € / Monat (unbegrenzt)

    Part-Time Job as a Student in Germany: What Changes for Your Health Insurance?

    ≤ 20 h/week
    Werkstudent privilege
    ≤ €603/month
    mini-job, no impact
    140 / 280 days/year
    § 16b AufenthG cap

    Sources: § 6 SGB V (Werkstudent privilege) · § 16b AufenthG (140/280-day cap) · Minijob-Zentrale 2026 · DAK-Gesundheit contribution statement 2025 · HanseMerkur Care Student AVB

    As a Werkstudent (max. 20 hours/week during the lecture period) the GKV student tariff at DAK-Gesundheit stays unchanged — you only pay the 9.3 % pension-insurance share. A mini-job up to €603/month (2026) also leaves the student tariff unchanged: the employer pays flat contributions, you pay nothing extra. Only above 20 hours/week is the Werkstudent privilege lost — full social security applies.

    For foreign students the additional cap of 140 full days or 280 half days per year (§ 16b AufenthG, 2026) protects the residence permit. Over-30s, GKV-exempt students and PhD candidates use Care Student from €101.54/month (up to 5 years) — the GKV-equivalent private alternative. Still in the language course? Care College from €27.50/month (up to 5 years) covers the pre-study phase, and the over-30 switch logic is in the age-30 / student tariff guide.

    Below: the exact 20-hour rule, why €603 is the new mini-job threshold for 2026, how the 140/280-day cap is counted, what changes the moment you cross any limit, why the employer's DEÜV notification matters more than your contract, and the full DAK / Care Student / Care College price tables.

    Student Coverage

    DAK-Gesundheit or HanseMerkur student options

    Enrollment Proof

    M10 notification for eligible university enrollment flows

    Visa & University Documents

    Receive confirmation for visa or enrollment steps where applicable

    4.9/5

    Over 10,000 policies issued · Since 2009

    Starting a Werkstudent or mini-job? Keep the student tariff — DAK-Gesundheit M10 filed automatically.

    🏛️ Authority-approved📄 Instant proof🔒 DAK / HanseMerkur🏷️ Transparent pricing
    4.9/5· Since 2009 · 10,000+ policies· Since 2009 · Over 10,000 policies issued

    Five typical mistakes with a student part-time job in Germany

    Quick answer: "Why did the Krankenkasse charge me an extra €1,200 after my summer job?" — most cases share one of five issues: working over 20 h/week during the lecture period without realising the Werkstudent privilege is lost; assuming a mini-job over €603/month still has no effect; not telling DAK about a new employer; the employer registering you as a regular employee in DEÜV instead of Werkstudent; or exceeding the 140/280-day cap and risking the residence permit.

    Avoid the mistakes that can delay your application

    Enrollment can stall without M10

    DAK Student and Care Student support electronic M10 notification for eligible university enrollment flows.

    Under 30 or over 30?

    DAK Student fits many students up to age 29; Care Student can fit private student coverage up to age 39.

    Private or statutory confusion

    Choosing the wrong route can create extra steps. Check statutory, private and exemption rules before applying.

    Language school is different

    Care College is better for language school, Studienkolleg, DSH and educational stays — not M10 university enrollment.

    What losing the Werkstudent privilege actually costs

    One wrong insurance choice can cost you money, time and your application deadline

    A medical incident can become expensive fast — but the wrong certificate can also delay your visa, enrollment, residence permit or work start.

    🏥

    €500–€1,500

    Emergency doctor visit

    One urgent doctor or emergency-room visit can already create a painful bill — before tests, medication or follow-up treatment are added.

    🏨

    €2,000–€10,000+

    Hospital treatment

    If observation, surgery, overnight stay or specialist treatment is needed, costs can quickly move from hundreds to thousands of euros.

    🎓

    1 missed M10

    Enrollment can get stuck

    For university enrollment, the wrong insurance route can delay the electronic M10 notification to your university.

    • Wrong or incomplete proof can delay your visa, enrollment or authority process.
    • Cheap home-country policies may miss the exact coverage, dates or repatriation wording required.
    • The cheapest policy can become expensive if it is the wrong proof for your situation.

    Before you apply, check: coverage amount, validity dates, destination area and repatriation cover.

    New job starting? Notify DAK in writing in the first week — back-charges accumulate fast

    Why act before university enrollment

    University enrollment can depend on the right insurance route. Waiting too long can delay M10 notification or create extra steps.

    🎓

    M10 timing matters

    DAK Student and Care Student can support M10 university enrollment flows where applicable.

    📄

    Wrong route creates delays

    Language school, Studienkolleg and DSH usually need Care College, not the university M10 route.

    ⚡

    Apply before enrollment pressure

    Prepare insurance proof before the university or visa office asks for it urgently.

    ✅

    Under 30 or over 30?

    DAK Student and Care Student serve different student situations. Check age and eligibility before applying.

    Keep the student tariff while working — in 3 steps

    10 minutes online. DAK-Gesundheit confirms the Werkstudent or mini-job status in writing within 1–3 working days. Keep the confirmation for the next residence-permit renewal at the Ausländerbehörde — it proves the 140/280-day cap is respected.

    Ready for university enrollment in 3 steps

    DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.

    1. Choose your student plan

      DAK statutory student cover up to age 29 · Care Student private student cover up to age 39. For language school or Studienkolleg, use Care College.

    2. Complete the application

      Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows.

    3. Receive your proof

      Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university.

    What students say about Werkstudent jobs and the DAK student tariff

    4.9/5 · Since 2009 · Over 10,000 policies issued
    5/5
    “My biggest worry was that the embassy wouldn't accept the insurance.
    The proof was accepted immediately — no questions asked.
    That saved me a lot of stress.”
    Georges from Cameroon

    Georges

    Cameroon

    5/5
    “I needed proof of insurance urgently for my visa appointment.
    The confirmation arrived within minutes by email.
    Everything worked first time at the embassy.”
    Olga from Russia

    Olga

    Russia

    5/5
    “Found the best solution and best service for health insurance for foreign visitors and guests in Germany.
    Fast, simple and affordable.
    Highly recommended!”
    Michael from Germany

    Michael

    Germany

    5/5
    “The online sign-up was done in just a few minutes.
    When I actually had to see a doctor, the billing went smoothly.
    I was really covered — not just on paper.”
    Yunhee from Australia

    Yunhee

    Australia

    Now choose your plan

    4.9/5 · Since 2009 · Over 10,000 policies issued

    Full price tables — all brackets by age & duration

    Quick answer: The three tariffs that matter while you work alongside your studies: DAK-Gesundheit (~€135.52/month) for under-30 Werkstudent / mini-job, Care Student (€101.54/month) for over 30 / GKV-exempt / PhD, and Care College (€27.50–138/month) for the language-course phase before the studies.

    DAK-Gesundheit — three statutory student tariffs

    Garantietarif 120 saves €120/year. Werkstudent and mini-job up to €603/month do not change the contribution. M10 notification filed automatically:

    Insured benefits
    DAK-Gesundheit
    BestsellerDAK + Garantietarif 120
    DAK + Fit & Travel
    up to age 23 €145.52 / month €145.52€135.52 / month €145.52 / month
    up to age 29, childless €150.65 / month €150.65€140.65 / month €150.65 / month
    up to age 29, with 1 child €145.52 / month €145.52€135.52 / month €145.52 / month
    Bonus / extra benefit — saves €120/year free for under 39

    Contribution incl. long-term care insurance (childless from age 23). Garantietarif 120: €120 contribution refund per year if no claims are filed. Fit & Travel: free for insured persons under 39. Entry age up to 29, term for the duration of studies (max. 14 specialist semesters / age 30). As of 2026.

    Care Student — GKV-equivalent (over 30 / GKV-exempt / PhD)

    Total €101.54/month: CCS €35 + PVN €58.04 + Pflege €8.50. Includes M10 notification, accepted by the university after § 8 SGB V exemption:

    Care Student
    Health insurance
    for students
    Compulsory long-term care
    for students
    		 Total
    12–29 years 69,62 € / month 31,92 € / month 101,54 € / month
    30–39 years 95,68 € / month 31,92 € / month 127,60 € / month

    All prices per month/person in euros. Health insurance deductible: €300 per calendar year. Entry age 12–39, term up to 60 months. Premium guarantee for the full term. As of 2026.

    Care College — language course / Studienkolleg phase

    Monthly cancellable, runs continuously including holidays. Used during the pre-study phase, then switch to DAK on immatriculation:

    Care College
    Basic
    BestsellerComfort
    Premium
    Deductible / yr
    120,–
    Deductible / yr
    0,–
    Deductible / yr
    0,–
    Months 1–24 monthup to 29 yrs (€ / month) 27,50 34,– 48,–
    Months 1–24 monthfrom 30 yrs (€ / month) 33,50 50,– 75,–
    From 25th monthup to 29 yrs (€ / month) 49,50 57,– 73,–
    From 25th monthfrom 30 yrs (€ / month) 55,– 73,– 99,–

    All prices per month/person in euros. Deductible applies per insurance year. Maximum entry age 40. As of 2026.

    Sources: DAK-Gesundheit contribution statement 2025, Care Concept AG tariff tables 2024/25, HanseMerkur AVB, Minijob-Zentrale 2026. The exact price is calculated in the online application.

    Frequently Asked Questions

    Does a part-time job affect my student health insurance in Germany?

    It depends on the status. As a Werkstudent (max. 20 hours/week during lectures) the GKV student tariff at DAK-Gesundheit (~€135.52/month) stays unchanged — you only pay the 9.3 % pension share. A mini-job up to €603/month (2026) also leaves the student tariff unchanged. Only a regular part-time job over 20 hours/week triggers full social security and ends the student tariff — DAK-Angestellte (~17.8 % of gross) takes over.

    How many hours and days may I work as a foreign student in Germany?

    Foreign students with a study residence permit (Aufenthaltserlaubnis zum Studium, § 16b AufenthG) may work 140 full days or 280 half days per year. During semester breaks full-time work is allowed within that annual cap. As a Werkstudent the 20-hour rule additionally applies during the lecture period — outside the lecture period (semester breaks) you can work more than 20 hours without losing the Werkstudent status, as long as the 140/280-day cap is respected.

    What happens if my employer does not register the Werkstudent status correctly?

    Without the correct DEÜV notification the employer treats you as a regular employee and charges full social security (~17.8 % of gross for health insurance alone). The Krankenkasse can claim back-payments retroactively. Always check the payslip in the first month: only ~9.3 % pension share should be deducted — no health, care or unemployment contributions. Tell DAK-Gesundheit about every new job in writing to avoid surprises.