--- title: "From €27.50/mo · Student Tariff Age Limit 30 · Germany 2026" description: "Studententarif Age Limit 30 Years Academic Semester When Endet: practical guidance for foreigners in Germany — what the German Ausländerbehörde and German." lang: en json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "contactPoint": { "@type": "ContactPoint", "telephone": "+49-228-97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] } }, { "@context": "https://schema.org", "@type": "WebSite", "name": "Krankenversicherung-Auslaender.de", "url": "https://www.krankenversicherung-auslaender.de/", "inLanguage": [ "de", "en" ], "publisher": { "@type": "Organization", "name": "Krankenversicherung-Auslaender.de" } }, { "@context": "https://schema.org", "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de", "alternateName": [ "Krankenversicherung Ausländer Deutschland", "Krankenversicherung für Ausländer", "Health insurance for foreigners in Germany", "Insurance for expats in Germany", "Insurance for international students in Germany" ], "logo": "https://www.krankenversicherung-auslaender.de/images/logo.jpg", "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "areaServed": [ "DE", "AT", "EU" ], "audience": { "@type": "Audience", "audienceType": "Foreigners, expats, international students and visa applicants in Germany", "geographicArea": { "@type": "Country", "name": "DE" } }, "knowsAbout": [ "Krankenversicherung Ausländer Deutschland", "Schengen-Visum Krankenversicherung", "Studentische Krankenversicherung", "Expat Krankenversicherung", "Incoming-Versicherung", "Sperrkonto Deutschland" ], "contactPoint": { "@type": "ContactPoint", "telephone": "+49 228 97735-44", "contactType": "customer service", "availableLanguage": [ "German", "English" ] }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, { "@context": "https://schema.org", "@type": "Person", "name": "Steffan Grund", "jobTitle": "Versicherungsexperte für Krankenversicherung Ausländer", "knowsAbout": [ "Krankenversicherung für Ausländer in Deutschland", "Schengen-Visum Krankenversicherung", "GKV-Befreiung Studenten", "Aufenthaltstitel Krankenversicherung", "Incoming-Versicherung" ], "worksFor": { "@type": "InsuranceAgency", "name": "Krankenversicherung für Ausländer", "url": "https://www.krankenversicherung-auslaender.de" }, "url": "/impressum/", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, [ { "@context": "https://schema.org", "@type": "Article", "headline": "Health Insurance for Students Aged 30+: What to Do When the Student Tariff Ends in Germany", "description": "Studententarif Age Limit 30 Years Academic Semester When Endet: practical guidance for foreigners in Germany — what the German Ausländerbehörde and German.", "author": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "reviewedBy": { "@type": "Person", "name": "Steffan Grund", "sameAs": [ "https://www.krankenversicherung-auslaender.de/impressum/" ] }, "publisher": { "@type": "Organization", "name": "Krankenversicherung für Ausländer", "logo": { "@type": "ImageObject", "url": "https://www.krankenversicherung-auslaender.de/images/logo.jpg" }, "sameAs": [ "https://www.wikidata.org/wiki/Q316831", "https://de.wikipedia.org/wiki/Krankenversicherung", "https://en.wikipedia.org/wiki/Health_insurance" ] }, "datePublished": "2026-09-05", "dateModified": "2026-09-08", "mainEntityOfPage": { "@type": "WebPage", "@id": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/" }, "image": "https://www.krankenversicherung-auslaender.de/images/og/og-krankenversicherung-auslaender.webp", "about": [], "mentions": [ { "@type": "Thing", "name": "DAK-Gesundheit", "url": "https://de.wikipedia.org/wiki/DAK-Gesundheit" }, { "@type": "Thing", "name": "Techniker Krankenkasse", "url": "https://en.wikipedia.org/wiki/Techniker_Krankenkasse" }, { "@type": "Thing", "name": "AOK", "url": "https://en.wikipedia.org/wiki/AOK" }, { "@type": "Thing", "name": "SGB V (German Social Code Book V)", "url": "https://de.wikipedia.org/wiki/Sozialgesetzbuch_(F%C3%BCnftes_Buch)" }, { "@type": "Thing", "name": "Healthcare in Germany", "url": "https://en.wikipedia.org/wiki/Healthcare_in_Germany" }, { "@type": "Thing", "name": "HanseMerkur", "url": "https://de.wikipedia.org/wiki/HanseMerkur" } ], "inLanguage": [ "en" ], "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo='answer-lead']", "[data-aeo='answer']", "h1" ] } } ], { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.krankenversicherung-auslaender.de/en/" }, { "@type": "ListItem", "position": 2, "name": "Guide to Health Insurance in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/" }, { "@type": "ListItem", "position": 3, "name": "Foreign Students in Germany", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/" }, { "@type": "ListItem", "position": 4, "name": "Age 30 / Semester Limits (Germany)", "item": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/" } ] }, { "@context": "https://schema.org", "@type": "HowTo", "name": "Ready for university enrollment in 3 steps", "description": "DAK Student or Care Student for university enrollment, M10 notification and proof of coverage.", "inLanguage": "en", "step": [ { "@type": "HowToStep", "position": 1, "name": "Choose your student plan", "text": "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." }, { "@type": "HowToStep", "position": 2, "name": "Complete the application", "text": "Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows." }, { "@type": "HowToStep", "position": 3, "name": "Receive your proof", "text": "Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university." } ], "totalTime": "PT10M", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-howto='step']", "[data-aeo='answer']", "h1" ] } }, { "@context": "https://schema.org", "@type": "FAQPage", "speakable": { "@type": "SpeakableSpecification", "cssSelector": [ "[data-aeo=\"answer\"]", ".faq-answer" ] }, "mainEntity": [ { "@type": "Question", "name": "When does the German student tariff end at age 30?", "acceptedAnswer": { "@type": "Answer", "text": "The GKV student tariff (DAK-Studenten, ~€135.52/month) legally ends at age 30 or after the 14th academic semester under § 5 (1) 9 SGB V — whichever comes first. From that point the recognised follow-on is Care Student at €101.54/month." } }, { "@type": "Question", "name": "What replaces the student tariff after 30 in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The GKV-equivalent Care Student at €101.54/month (CCS €35 + PVN €58.04 + Pflege €8.50, SB €300/year) is the standard recognised follow-on. It is accepted by universities via the M10 electronic notification, just like the DAK student tariff." } }, { "@type": "Question", "name": "Is voluntary GKV cheaper than Care Student for students over 30?", "acceptedAnswer": { "@type": "Answer", "text": "Voluntary GKV for students over 30 costs approximately €210–240/month (min. Rarely. contribution rules apply). Care Student is fixed at €101.54/month — typically the cheaper and simpler option for international students beyond the age or semester limit." } }, { "@type": "Question", "name": "Can I stay on DAK-Studenten past the 14th semester in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "No — the 14-semester cap under § 5 (1) 9 SGB V is strict. DAK issues an end-date and reports the change via the M10 protocol. You need to switch — typically to Care Student (€101.54/month) — from the effective date to avoid a coverage gap." } }, { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Student for a student residence permit in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Care Student is GKV-equivalent under § 8 SGB V, sends the M10 electronic notification to the university and is regularly accepted by German immigration offices for the student residence permit under § 16b AufenthG." } }, { "@type": "Question", "name": "What happens to student health insurance at age 30 in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "The subsidized GKV student tariff (~€135.52/month) typically ends at the end of the semester in which you turn 30. After that, you can switch to voluntary GKV (from ~€210/month) or private alternatives like Care Student (€101.54/month, recognized as GKV-equivalent). The key is switching before your student tariff expires to avoid coverage gaps." } }, { "@type": "Question", "name": "Can international students over 30 still get health insurance in Germany?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Options include voluntary GKV membership, Care Student (€101.54/month), accepted for enrollment at many universities, or Care College (from €27.50/month) for students up to 40. The insurance certificate (Versicherungsnachweis) is sent immediately by email as a PDF." } }, { "@type": "Question", "name": "Is Care Student recognized as equivalent to public health insurance?", "acceptedAnswer": { "@type": "Answer", "text": "Yes. Care Student is officially recognized as GKV-equivalent (gleichwertig) and includes the M10 notification required for university enrollment. It covers outpatient treatment, hospitalization, medical repatriation, and prescription medication — €101.54/month (12–29 J.) or €127.60/month (30–39 J.). → Check Care Student now" } } ] }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "When does the German student tariff end at age 30?", "text": "When does the German student tariff end at age 30?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The GKV student tariff (DAK-Studenten, ~€135.52/month) legally ends at age 30 or after the 14th academic semester under § 5 (1) 9 SGB V — whichever comes first. From that point the recognised follow-on is Care Student at €101.54/month.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What replaces the student tariff after 30 in Germany?", "text": "What replaces the student tariff after 30 in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The GKV-equivalent Care Student at €101.54/month (CCS €35 + PVN €58.04 + Pflege €8.50, SB €300/year) is the standard recognised follow-on. It is accepted by universities via the M10 electronic notification, just like the DAK student tariff.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is voluntary GKV cheaper than Care Student for students over 30?", "text": "Is voluntary GKV cheaper than Care Student for students over 30?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Voluntary GKV for students over 30 costs approximately €210–240/month (min. Rarely. contribution rules apply). Care Student is fixed at €101.54/month — typically the cheaper and simpler option for international students beyond the age or semester limit.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can I stay on DAK-Studenten past the 14th semester in Germany?", "text": "Can I stay on DAK-Studenten past the 14th semester in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "No — the 14-semester cap under § 5 (1) 9 SGB V is strict. DAK issues an end-date and reports the change via the M10 protocol. You need to switch — typically to Care Student (€101.54/month) — from the effective date to avoid a coverage gap.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Does the Ausländerbehörde accept Care Student for a student residence permit in Germany?", "text": "Does the Ausländerbehörde accept Care Student for a student residence permit in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Care Student is GKV-equivalent under § 8 SGB V, sends the M10 electronic notification to the university and is regularly accepted by German immigration offices for the student residence permit under § 16b AufenthG.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "What happens to student health insurance at age 30 in Germany?", "text": "What happens to student health insurance at age 30 in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "The subsidized GKV student tariff (~€135.52/month) typically ends at the end of the semester in which you turn 30. After that, you can switch to voluntary GKV (from ~€210/month) or private alternatives like Care Student (€101.54/month, recognized as GKV-equivalent). The key is switching before your student tariff expires to avoid coverage gaps.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Can international students over 30 still get health insurance in Germany?", "text": "Can international students over 30 still get health insurance in Germany?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Options include voluntary GKV membership, Care Student (€101.54/month), accepted for enrollment at many universities, or Care College (from €27.50/month) for students up to 40. The insurance certificate (Versicherungsnachweis) is sent immediately by email as a PDF.", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } }, { "@context": "https://schema.org", "@type": "QAPage", "inLanguage": "en", "mainEntity": { "@type": "Question", "name": "Is Care Student recognized as equivalent to public health insurance?", "text": "Is Care Student recognized as equivalent to public health insurance?", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0, "answerCount": 1, "acceptedAnswer": { "@type": "Answer", "text": "Yes. Care Student is officially recognized as GKV-equivalent (gleichwertig) and includes the M10 notification required for university enrollment. It covers outpatient treatment, hospitalization, medical repatriation, and prescription medication — €101.54/month (12–29 J.) or €127.60/month (30–39 J.). → Check Care Student now", "url": "https://www.krankenversicherung-auslaender.de/en/guide-health-insurance-germany/health-insurance-students-germany/student-tariff-age-limit-30-years-when-it-ends-germany/", "author": { "@type": "Person", "name": "Steffan Grund", "url": "https://www.krankenversicherung-auslaender.de/impressum/" }, "datePublished": "2026-09-08", "upvoteCount": 0 } } } ] --- EN [+49 228 97735-44](tel:+4922897735-44)· German & English spoken [Health Insurance for Foreigners in Germany ](/en/) - Foreigners in Germany - Visa & Schengen - Studies & Language School - Expats - Employees - Retirees - Blocked Account - Guides [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Find a tariff](/en/tariffinder-germany/) Language 🇩🇪 Deutsch 🇺🇸 English 🇸🇦 العربية Main areas 🌍 Foreigners in Germany [Overview →](/en/health-insurance-foreigners-germany/) Audiences & situations [Overview — all foreigners in GermanyThe umbrella hub: every visa, every audience, recognised cover under § 5 AufenthG — start here. ](/en/health-insurance-foreigners-germany/)[Visa & SchengenFast insurance proof for embassy/foreigners' authority — short stays, Schengen visa, family visit. ](/en/health-insurance-visa-foreigners-germany/)[Studies & Language SchoolAffordable long-term health insurance for international students, Studienkolleg, German courses, exchange students and PhD candidates. ](/en/health-insurance-foreign-students-germany/)[Expats (long-term)Affordable long-term health insurance for expats, international skilled workers, freelancers and their families. ](/en/expat-health-insurance-germany/)[Employees (job start)Foreign employees, skilled workers with work visa, seasonal workers and people in the recognition procedure. ](/en/health-insurance-foreign-employees-germany/)[Retirees / parent reunificationAffordable long-term health insurance for foreign retirees, seniors and their partners, family visits. ](/en/health-insurance-foreign-retirees-germany/) More topics [Blocked account & visaAccepted for visa, Opportunity Card and university enrolment. ](/en/blocked-account-visa-germany/)[AustriaAffordable long-term health insurance for Austria. ](/en/health-insurance-foreigners-austria/)[Au-pair health insuranceAffordable health insurance for au-pairs in Germany, Austria & Switzerland — from €21/month. ](/en/au-pair-health-insurance-germany/)[Guides & FAQThe most common mistakes — and how to avoid them in 2 minutes. ](/en/guide-health-insurance-germany/)[Costs & benefitsWhat does it really cost? Compare tariffs, prices and benefits. ](/en/guide-health-insurance-germany/costs-benefits-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) ✈️ Visa & Schengen [Overview →](/en/health-insurance-visa-foreigners-germany/) Audiences & situations [Overview — visa & SchengenThe visa umbrella hub: Schengen, national D-visa, short stay and family reunification at a glance. ](/en/health-insurance-visa-foreigners-germany/)[Schengen visa (up to 90 days)Fast health insurance proof for the Schengen visa — meet embassy requirements and avoid common mistakes. ](/en/health-insurance-visa-foreigners-germany/schengen-visa-health-insurance-germany/)[Short stay without visaAffordable health insurance for tourist and visa-free stays — easy, flexible and quick to apply online. ](/en/health-insurance-visa-foreigners-germany/short-stay-health-insurance-germany/)[Visitors & parent visits (3 months to 5 years)Cover for visitors and parents — for stays from 3 months to 5 years, affordable and online. ](/en/health-insurance-visa-foreigners-germany/foreign-visitors-visa-health-insurance-germany/)[Family reunificationFamily reunification: the right insurance proof for partner & children — so the application doesn't fail on missing documents. ](/en/guide-health-insurance-germany/faq-germany/family-reunification-which-health-insurance-is-commonly-required-germany/) Info & requirements [Insurance proof for the visaWhich insurance proofs embassies and immigration offices actually require. ](/en/guide-health-insurance-germany/visa-residence-germany/insurance-proof-visa-germany/)[Schengen insurance requirementsMinimum coverage, repatriation and validity area — so your proof doesn't fail on formalities. ](/en/guide-health-insurance-germany/visa-residence-germany/requirements-schengen-health-insurance-germany/)[Documents & checklistWhich documents to prepare before the visa application — to avoid delays. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejectionThe most common mistakes with visa, proof and insurance — and what embassies pay particular attention to. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🎓 Studies & Language School [Overview →](/en/health-insurance-foreign-students-germany/) Audiences & situations [Overview — students & language schoolThe student umbrella hub: GKV, private student insurance, language course, Studienkolleg, exchange and PhD at a glance. ](/en/health-insurance-foreign-students-germany/)[International studentsAffordable health insurance for international students — with quick proof for enrolment, visa and study start. ](/en/health-insurance-foreign-students-germany/)[Language school & German courseThe right insurance proof for language school & German course — so visa, embassy appointment and course start don't fail. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-language-course-before-study-differences-typical-mistakes-germany/)[StudienkollegAffordable health insurance for Studienkolleg — with quick proof for embassy, immigration office and course start, plus online application. ](/en/guide-health-insurance-germany/health-insurance-students-germany/preparatory-college-health-insurance-proof-registration-residence-germany/)[Exchange students & PhD candidatesSuitable health insurance for foreign exchange students & PhD candidates — for studies, exchange programmes, research and PhDs, with online application incl. insurance proof. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exchange-students-phd-students-health-insurance-germany/) Info & decisions [Statutory or private student insurance?Statutory health insurance or private student insurance? Find out what really fits your status and study path. ](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-student-health-insurance-germany/)[Student visa & proofWhich insurance proofs really count for visa, university enrolment and authorities. ](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/)[GKV exemptionExemption from statutory insurance: what to know before deciding — so it doesn't become a problem later. ](/en/guide-health-insurance-germany/health-insurance-students-germany/exemption-from-statutory-health-insurance-students-key-points-germany/)[Blocked account & study startHow blocked account, university enrolment and health insurance interact — so your study start isn't delayed. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏠 Expats [Overview →](/en/expat-health-insurance-germany/) Audiences & situations [Overview — expats long-termAffordable & long-term: 6–60 months, family, freelancers, GKV vs private. ](/en/expat-health-insurance-germany/)[Long-term expats in Germany (6–60 months)Affordable long-term cover in Germany — with accepted proof. ](/en/expat-health-insurance-germany/long-term-health-insurance-foreigners-germany/)[Long-term expats in Austria (6–60 months)Affordable long-term cover in Austria — accepted by MA 35. ](/en/health-insurance-foreigners-austria/)[Expats with family (partner & children)Affordable long-term cover for partner & children — no surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-with-family-joint-planning-partner-children-typical-questions-and-mistakes-germany/)[Freelancers & self-employed without an employerNo employer? Affordable long-term option — GKV or private, clarified fast. ](/en/expat-health-insurance-germany/health-insurance-foreign-self-employed-germany/)[Transition without a job (job search / change / termination)Job change or termination: affordable bridge — long-term cover continues. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/expat-without-employer-during-job-search-how-to-stay-insured-germany/) Info & decisions [Which health insurance fits expats?Which health insurance fits as a long-term expat? Avoid mistakes — so registration works and you can see a doctor when needed. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[GKV obligation or private solution? (quick check)Clear in 2 minutes: statutory obligation or private — so you don't commit to the wrong path. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/private-vs-statutory-health-insurance-expats-which-factors-typically-matter-germany/)[Proofs for authorities (residence permit, registration, etc.)Get authority proofs right: avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/checklist-documents-immigration-office-expat-insurance-proof-deadlines-germany/)[Family & pregnancy: what to watch forAlready pregnant or planning? Common pitfalls in tariffs (waiting periods/benefits) — so there are no nasty surprises. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/pregnancy-health-insurance-expats-proofs-costs-doctor-germany/) Get started [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) Other groups 💼 Employees [Overview →](/en/health-insurance-foreign-employees-germany/) Audiences & situations [Overview — employees & job startThe employee umbrella hub: job start, Blue Card, job change, GKV obligation and employer proof. ](/en/health-insurance-foreign-employees-germany/)[Job start in GermanySo your job start works: the right health insurance + proof, fast and easy. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/)[Blue Card & skilled workersBlue Card & skilled workers: get insured properly, avoid mistakes — proof for employer and registration. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/bluecard-skilled-workers-health-insurance-proof-employer-registration-germany/)[Job change / new positionJob change made easy: stay insured, avoid mistakes, done quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/job-change-health-insurance-what-happens-with-insurance-and-prove-germany/)[Part-time, mini-job & probationPart-time/mini-job/probation: find the right health insurance — without a wrong decision. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/mini-job-midi-job-full-time-health-insurance-differences-germany/) Info & decisions [GKV registration step by stepGKV in 3 steps: error-free, step by step — so you finish quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-registration-step-by-step-employees-germany/)[What certificate does the employer need?Employer proof: which certificate is really required — explained quickly. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/employer-asks-insurance-proof-what-must-one-submit-germany/)[GKV obligation: who must, who may choose?Who must join statutory insurance — and who may choose? Without mistakes. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/statutory-insurance-requirement-who-must-who-may-foreigners-germany/)[Documents & checklist for the job startJob start checklist: documents, deadlines, next steps — so you don't forget anything. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/common-mistakes-when-starting-in-germany-registration-checklist-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🧓 Retirees [Overview →](/en/health-insurance-foreign-retirees-germany/) Audiences & situations [Overview — retirees & parentsThe retiree umbrella hub: parent reunification, seniors 60+, short visits and pre-existing conditions at a glance. ](/en/health-insurance-foreign-retirees-germany/)[Parent reunification / bringing parents to Germany permanentlyBringing parents to Germany permanently: find the right health insurance — avoid common mistakes. ](/en/health-insurance-foreign-retirees-germany/parent-reunification-health-insurance-germany/)[Foreign retirees/parents 60+ in Germany (6 months to 5 years)For parents 60+: find the right long-term cover — so doctor, hospital and authority proofs don't become a problem. ](/en/health-insurance-foreign-retirees-germany/long-term-health-insurance-seniors-germany/)[Short stay / visiting children (up to 90 days)For parent visits up to 90 days: affordable health insurance for doctor & emergency — incl. proof, quick to apply online. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/short-visit-seniors-health-insurance-which-coverage-commonly-required-germany/)[Retirees with pre-existing conditions & medication (special cases)Pre-existing conditions or medication? We show what's possible — clearly explained, no false promises. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) Info & decisions [Which health insurance fits retirees? (quick overview)Find the right solution quickly for age, stay and proof — before you choose wrong. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[Statutory possible for retirees? Or rather private? (quick check)Statutory or private as a retiree? Clear in 2 minutes — so you don't decide wrongly. ](/en/health-insurance-foreign-retirees-germany/statutory-or-private-health-fund-foreign-retirees-germany/)[Proof for foreigners' authority & residence permit (checklist)Foreigners' authority: submit the proof correctly — avoid common mistakes, save time. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/immigration-office-insurance-proof-which-details-should-appear-germany/)[Costs in old age: contributions, deductibles, typical pitfallsWhat does it really cost in old age? Contributions, deductibles and typical cost traps — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/costs-in-age-premiums-deductible-cost-traps-germany/)[Acceptance, exclusions & waiting periods (age/pre-existing)Age/pre-existing conditions: what's possible, what's excluded, what waiting periods apply — briefly explained. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/health-insurance-pre-existing-conditions-what-is-commonly-checked-when-taking-out-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 🏦 Blocked Account [Overview →](/en/blocked-account-visa-germany/) Audiences & situations [Overview — blocked accountThe blocked account umbrella hub: student visa, application, timing and Opportunity Card at a glance. ](/en/blocked-account-visa-germany/)[Blocked account for the student visa (national visa D)Combine blocked account + health insurance correctly — so the visa appointment doesn't fail. ](/en/blocked-account-visa-germany/blocked-account-student-visa-monthly-rate-logic-and-health-insurance-proof-germany/)[Blocked account + visa applicationWhich proofs belong together (blocked account, KV, documents) — avoid common mistakes. ](/en/blocked-account-visa-germany/blocked-account-and-health-insurance-for-visa-application-germany/)[Documents & checklist (blocked account)Which documents you really need — so nothing gets delayed. ](/en/blocked-account-visa-germany/blocked-account-documents-checklist-providers-mistakes-the-delay-germany/)[Timing: when to open, when to take out insurance?Order & timing: blocked account + KV in time before the visa appointment. ](/en/blocked-account-visa-germany/blocked-account-timing-opening-and-health-insurance-taking-out-before-visa-appointment-germany/)[Opportunity Card / stay without studiesWhen the blocked account is used for other purposes: what to watch for. ](/en/blocked-account-visa-germany/opportunity-card-residence-without-study-blocked-account-health-insurance-proofs-germany/) Info & decisions [Blocked account explained in 2 minutesWhat it is, what it's needed for, common misunderstandings. ](/en/blocked-account-visa-germany/)[Health insurance as proof for the visa (checklist)Which information must be on the proof — so the embassy/authority accepts it. ](/en/guide-health-insurance-germany/visa-residence-germany/documents-checklist-german-visa-health-insurance-germany/)[Avoid rejection (queries / proof errors)Top mistakes + quick fix — so you don't have to resubmit. ](/en/guide-health-insurance-germany/visa-residence-germany/avoid-rejection-of-insurance-proof-for-german-visa-germany/)[Which insurance fits at study start?How blocked account, university enrolment & health insurance interact. ](/en/guide-health-insurance-germany/health-insurance-students-germany/blocked-account-study-start-health-insurance-enrollment-germany/)[Blocked Account productIf you want to open the account directly: overview + application. ](/en/insurance-plans/blocked-account/overview/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) 📚 Guides [Overview →](/en/guide-health-insurance-germany/) Audiences & situations [Overview — guides & FAQThe guides umbrella hub: all topics, FAQs and checklists on health insurance in Germany. ](/en/guide-health-insurance-germany/)[Visa & residenceAvoid common mistakes before applying. ](/en/guide-health-insurance-germany/visa-residence-germany/)[StudentsWhich insurance fits enrolment and visa. ](/en/guide-health-insurance-germany/health-insurance-students-germany/)[FAQShort answers to the most common questions. ](/en/guide-health-insurance-germany/faq-germany/)[Costs & benefitsWhat to look out for in affordable tariffs. ](/en/guide-health-insurance-germany/costs-benefits-germany/) More topics [ExpatsWhat matters during a longer stay. ](/en/guide-health-insurance-germany/health-insurance-expats-germany/)[EmployeesHow employees avoid expensive wrong decisions. ](/en/guide-health-insurance-germany/health-insurance-employees-germany/)[Language course / German courseWhich insurance is needed for language course and visa. ](/en/guide-health-insurance-germany/health-insurance-language-course-german-course-germany/)[RetireesWhat retirees should watch for when moving to Germany. ](/en/guide-health-insurance-germany/health-insurance-retirees-germany/)[StudienkollegSuitable cover for the time at Studienkolleg. ](/en/guide-health-insurance-germany/health-insurance-preparatory-college-germany/) [Find a tariff Find the right insurance. ](/en/tariffinder-germany/)[All tariffs Overview of all tariffs. ](/en/product-overview-germany/) [All tariffs](/en/product-overview-germany/)[Find a tariff](/en/tariffinder-germany/) [Care Student (over 30 / GKV-exempt) from €101.54/month (up to 5 years) ](/en/insurance-plans/care-student/overview/) 1. [Home](/en/) 2. [Guide to Health Insurance in Germany](/en/guide-health-insurance-germany/) 3. [Foreign Students in Germany](/en/guide-health-insurance-germany/health-insurance-students-germany/) 4. Age 30 / Semester Limits (Germany) # Health Insurance for Students Aged 30+: What to Do When the Student Tariff Ends in Germany - [Care Student: from €101.54/month](/en/insurance-plans/care-student/overview/) (over 30 / GKV-exempt, GKV-equivalent, M10 included) - [Care Expatriate: from €58/month](/en/insurance-plans/care-expatriate/overview/) (PhD candidates, doctoral researchers, post-graduate) - [DAK-Gesundheit: from €135.52/month](/en/insurance-plans/dak-gesundheit/overview/) (under 30 / before age cap — switch on the 30th birthday) Sources: § 5 Abs. 1 Nr. 9 SGB V (KVdS age cap) · § 8 SGB V (exemption) · § 257 SGB V · § 199a SGB V (M10) · § 5 AufenthG · HanseMerkur Care Student/Care Expatriate AVB **The GKV student tariff (KVdS) is legally capped at age 30 (§ 5 Abs. 1 Nr. 9 SGB V). On the first of the month following the 30th birthday, DAK-Studenten and the other statutory funds move you to the regular voluntary GKV rate of roughly €220–250/month — almost double the previous student rate.** Foreign students with a residence permit can avoid that jump by switching to [Care Student from €101.54/month (up to 5 years)](/en/insurance-plans/care-student/overview/) — GKV-equivalent under HanseMerkur, accepted by the university for continued enrolment after a § 8 SGB V exemption and including the M10 electronic notification under § 199a SGB V. For PhD candidates (Promotionsstudenten), doctoral researchers and post-graduate exempt cases who no longer need the M10 university notification, [Care Expatriate from €58/month (up to 5 years)](/en/insurance-plans/care-expatriate/overview/) is the recognised private alternative — accepted by the Ausländerbehörde for the residence permit, with cover up to 60 months and worldwide protection including the home country. The full statutory-vs-private comparison for over-30 foreign students is in the [statutory or private guide](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-insurance-foreign-students-germany/), and the M10 workflow after the switch is in the [enrolment proof guide](/en/guide-health-insurance-germany/health-insurance-students-germany/health-insurance-proof-enrollment-university-germany/). Below: when exactly the KVdS ends, what happens if you do nothing, when a delayed study extends the tariff, why PhD candidates cannot use it, the five most common mistakes on the switch, the cover handover, the residence-permit consequences (§ 5 AufenthG), and the full Care Student / Care Expatriate / DAK 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 ![Steffan Grund](/assets/steffan-grund-B5K5tUm9.jpg)Written by **Steffan Grund** Reviewed: **September 8, 2026** Sources§ 5 Abs. 1 Nr. 9 SGB V (KVdS age cap) · § 8 SGB V (exemption) · § 257 SGB V · § 199a SGB V (M10) · HanseMerkur AVB 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) Over 10,000 policies issued · Since 2009 ## Turning 30? Switch in 5 minutes — Care Student or Care Expatriate, recognised by the university and Ausländerbehörde. [Care Student (GKV-equivalent, over 30, M10 included) from €101.54/month (up to 5 years) ](/en/insurance-plans/care-student/overview/)[Care Expatriate (PhD / doctoral / post-graduate) from €58/month (up to 5 years) ](/en/insurance-plans/care-expatriate/overview/) [🔍 Plan Finder](/en/tariffinder-germany/)[📋 All Plans](/en/product-overview-germany/) 🏛️ Authority-approved 📄 Instant proof 🔒 DAK / HanseMerkur 🏷️ Transparent pricing 4.9/5 · Over 10,000 policies placed since 2009 from 458 customer responses · [our own survey](/en/review-methodology/), not independently verified · [How this rating works](/en/review-methodology/) ## 📌 TL;DR — at a glance - The GKV student tariff (KVdS, § 5 Abs. 1 Nr. 9 SGB V) is legally limited to age 30. After that the cheap DAK-Studenten rate (~€135.52/month with Garantietarif 120) ends and the regular GKV voluntary rate would jump to ~€220–250/month. Foreign students with a residence permit can switch to a recognised private alternative on the legal exit date. - Recognised switch path: Care Student €101.54/month (CCS €35 + PVN €58.04 + Pflege €8.50) — GKV-equivalent under § 257 SGB V context, accepted by the university for continued enrolment after a § 8 SGB V exemption. For PhD candidates, doctoral researchers and post-graduate exempt cases, Care Expatriate from €58/month is also accepted by the Ausländerbehörde for the residence permit. Cover up to 60 months in both cases. - Plan the switch 4–6 weeks before the 30th birthday: file the § 8 SGB V exemption with the GKV, sign Care Student or Care Expatriate, and let the new insurer issue the proof for the university and the Ausländerbehörde so there is no coverage gap (§ 5 AufenthG). Key facts at a glance Reviewed September 8, 2026 - **KVdS hard cap: age 30 (§ 5 Abs. 1 Nr. 9 SGB V):** On the first of the month following the 30th birthday, the GKV student tariff (~€135.52/month with Garantietarif 120) ends and the regular voluntary GKV rate of ~€220–250/month applies — unless a § 8 SGB V exemption is filed for a private alternative. (Source: § 5 Abs. 1 Nr. 9 SGB V · § 8 SGB V). - **Care Student €101.54/month — GKV-equivalent for over-30 students:** CCS €35 + PVN €58.04 + Pflege €8.50 = €101.54/month total. HanseMerkur, GKV-equivalent under § 257 SGB V context, M10 electronic notification under § 199a SGB V included, accepted by the university for continued enrolment. (Source: HanseMerkur Care Student AVB · § 257 SGB V). - **Care Expatriate from €58/month — PhD / doctoral / post-graduate:** From €58/month for ages 13–40; from €68/month for ages 41–60; from €246/month for ages 61–74. Worldwide cover including home country, accepted by the Ausländerbehörde for the residence permit (§ 5 AufenthG). Cover up to 60 months. (Source: HanseMerkur Care Expatriate AVB). - **Delayed study extension is narrow — PhD students are NOT covered:** A delayed study for documented reasons (illness, care for a child, late higher-education access) can extend the KVdS for a limited period. PhD candidates / Promotionsstudenten do not qualify for the KVdS — they need Care Student (€101.54/month) or Care Expatriate (from €58/month) after the § 8 SGB V exemption. (Source: § 5 Abs. 1 Nr. 9 SGB V). ## Five typical mistakes around the age-30 switch **Quick answer:** "Why did my GKV rate suddenly double after my 30th birthday?" — most files share one of five issues: missing the § 8 SGB V exemption window, not filing Care Student or Care Expatriate before the 1st of the month after the 30th birthday, assuming PhD students stay on the KVdS, missing the § 8 SGB V exemption deadline, or letting a coverage gap appear that puts the residence permit at risk under § 5 AufenthG. ## 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 missing the age-30 switch 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. ## 30th birthday on the calendar — switch 4–6 weeks before to avoid the rate jump ## 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. ## From § 8 SGB V exemption to new insurance — in 3 steps 10 minutes online. Care Student or Care Expatriate issues the recognised certificate within minutes — accepted by the university for continued enrolment and by the Ausländerbehörde for the residence permit. The GKV exemption under § 8 SGB V is irrevocable for the rest of the studies, so plan the switch carefully. ## Ready for university enrollment in 3 steps DAK Student or Care Student for university enrollment, M10 notification and proof of coverage. 1. 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. 2 📝 Complete the application Enter your passport, university/program and stay details. M10 applies to DAK Student and Care Student university enrollment flows. 3. 3 ✅ Receive your proof Receive visa or insurance proof after application; where applicable, the electronic M10 notification can be sent to the university. ## What over-30 students say about Care Student after the GKV student tariff ended 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) “ 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](/assets/georges-kamerun-C6GQZGzu.jpg) 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](/assets/olga-russland--B_6p7O-.jpg) 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](/assets/michael-deutschland-CFcwSzJg.jpg) 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](/assets/yunhee-australien-CaHyNO5z.jpg) Yunhee Australia ### Now choose your plan 4.9/5 458 customer responses · [our own survey](/en/review-methodology/) ## Recommended tariffs after the GKV student cap 🎯 Standard · over 30 / GKV-exempt · M10 included ### Care Student from €101.54 / month (coverage up to 5 years) For international students in Germany: bachelor's, master's, doctoral studies & eligible university enrollment cases - Accepted for university enrollment – electronic M10 notification - Health insurance + mandatory long-term care insurance from €101.54/month - Save at least €50/month compared with statutory student health insurance - For bachelor's, master's, doctoral studies & eligible university enrollment flows - Private-patient status: free choice of doctor, often faster appointments - Doctor, hospital, prescription medication & dental treatment coverage - Support with exemption from statutory health insurance - Recognized by universities and immigration authorities - Coverage term up to 5 years · entry age 12–39 - Reputable insurance carrier Why Care Student? For international students in Germany who need private health insurance for enrollment, M10 notification and proof of coverage for authorities — with strong benefits and potential savings compared with statutory health insurance. Why a 5-year coverage term? More planning security during your studies: less renewal stress and a lower risk of a coverage gap during a bachelor's, master's, doctoral program or eligible university enrollment case. - 🏛️ HanseMerkur Insurance AG - 📄 M10 notification + proof for universities & immigration authorities - 🔒 Doctor, clinic, dental treatment & prescription medication - 🏷️ From €101.54 / month · coverage up to 5 years [Care Student – Quick Overview](/en/insurance-plans/care-student/plan-details/) [Apply online now](/en/insurance-plans/care-student/apply/) → Complete the application, secure your M10 notification, prepare for enrollment 🎓 PhD / doctoral / post-graduate ### Care Expatriate from only €58.00 / month (coverage up to 5 years) For foreign nationals with longer stays: expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors up to age 74 - Proof of insurance for visas & immigration authorities quickly available (PDF) - Coverage up to 5 years – less renewal stress - Doctor, hospital, prescription medication & dental treatment coverage - For longer stays in Germany, Austria, the EU/Schengen Area, Liechtenstein or Switzerland - Suitable for expats, self-employed professionals, freelancers, employees on assignment without German statutory insurance, retirees & seniors - More planning security for residence permits, projects or jobs - 24/7 assistance + digital insurance card - Age-based rates: from €58/month ages 13–40 · from €68 ages 41–60 · from €246 ages 61–74 - Coverage term: 3 months to 5 years · entry age 0–74 - Reputable insurance carrier Why Care Expatriate? For foreign nationals with longer stays who need solid health insurance and proof of coverage for authorities — suitable for expats, freelancers, self-employed professionals, employees on assignment without German statutory insurance, retirees & seniors up to age 74. Why a 5-year coverage term? More planning security: less renewal stress and a lower risk of a coverage gap if your stay lasts longer. - 🏛️ HanseMerkur Insurance Group Hamburg – Advigon Insurance AG - 📄 Instant proof of insurance for visas & immigration authorities (PDF) - 🔒 Doctor, clinic, dental treatment & repatriation coverage - 🏷️ From €58 / month · coverage up to 5 years [Care Expatriate – Quick Overview](/en/insurance-plans/care-expatriate/plan-details/) [Apply online now](/en/insurance-plans/care-expatriate/apply/) → Complete the application, receive your instant PDF, submit your proof The full statutory-vs-private decision matrix is in the [statutory or private guide](/en/guide-health-insurance-germany/health-insurance-students-germany/statutory-or-private-insurance-foreign-students-germany/), and the comparison overview is in the [foreign-students hub](/en/health-insurance-foreign-students-germany/). ## Full price tables — all brackets by age & duration **Quick answer:** The three tariffs that matter around the age-30 switch: DAK-Gesundheit (~€135.52/month) until the cap, then Care Student (€101.54/month) for continued enrolment, or Care Expatriate (from €58/month) for PhD / doctoral cases. ### Care Student — GKV-equivalent (post age-30 / GKV-exempt) Total €101.54/month: CCS €35 + PVN €58.04 + Pflege €8.50. M10 notification included, accepted by the university for continued enrolment 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 Student — Overview](/en/insurance-plans/care-student/overview/) [Apply now](/en/insurance-plans/care-student/overview/) ### Care Expatriate — PhD candidates & doctoral researchers Worldwide cover including home country. Premiums by age bracket (13–40 from €58/mo, 41–60 from €68/mo, 61–74 from €246/mo). Up to 60 months: Care Expatriate worldwide without USA, Canada and Mexico Basic Bestseller Comfort Premium Deductible / yr 150,– Deductible / yr 150,– Deductible / yr 500,– Deductible / yr 0,– Deductible / yr 500,– Deductible / yr 1.000,– Entry age: 0–12 (€ / month) 64,– 104,– 81,– 191,– 149,– 117,– Entry age: 13–40 (€ / month) 58,– 84,– 63,– 181,– 141,– 109,– Entry age: 41–60 (€ / month) 68,– 103,– 77,– 256,– 201,– 156,– Entry age: 61–74 (€ / month) 246,– 322,– 248,– 432,– 336,– 263,– All prices per month/person in euros. Deductible applies per insurance year. As of 2026. [Care Expatriate — Overview](/en/insurance-plans/care-expatriate/overview/) [Apply now](/en/insurance-plans/care-expatriate/overview/) ### DAK-Gesundheit — statutory student tariff (until the age cap) Reference rates that apply until the 30th birthday or After the cap, switch is mandatory: Insured benefits DAK-Gesundheit Bestseller DAK + 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. [DAK Students — Overview](/en/insurance-plans/dak-gesundheit/overview/) [Apply now](/en/insurance-plans/dak-gesundheit/overview/) Sources: DAK-Gesundheit contribution statement 2025, Care Concept AG tariff tables 2024/25, HanseMerkur AVB. The exact price is calculated in the online application. [Care Student overview](/en/insurance-plans/care-student/overview/) [Care Expatriate overview](/en/insurance-plans/care-expatriate/overview/) [DAK-Gesundheit](/en/insurance-plans/dak-gesundheit/overview/) ## Frequently Asked Questions When does the German student tariff end at age 30? The GKV student tariff (DAK-Studenten, ~€135.52/month) legally ends at age 30 or after the 14th academic semester under § 5 (1) 9 SGB V — whichever comes first. From that point the recognised follow-on is Care Student at €101.54/month. What replaces the student tariff after 30 in Germany? The GKV-equivalent Care Student at €101.54/month (CCS €35 + PVN €58.04 + Pflege €8.50, SB €300/year) is the standard recognised follow-on. It is accepted by universities via the M10 electronic notification, just like the DAK student tariff. Is voluntary GKV cheaper than Care Student for students over 30? Voluntary GKV for students over 30 costs approximately €210–240/month (min. Rarely. contribution rules apply). Care Student is fixed at €101.54/month — typically the cheaper and simpler option for international students beyond the age or semester limit. Can I stay on DAK-Studenten past the 14th semester in Germany? No — the 14-semester cap under § 5 (1) 9 SGB V is strict. DAK issues an end-date and reports the change via the M10 protocol. You need to switch — typically to Care Student (€101.54/month) — from the effective date to avoid a coverage gap. Does the Ausländerbehörde accept Care Student for a student residence permit in Germany? Care Student is GKV-equivalent under § 8 SGB V, sends the M10 electronic notification to the university and is regularly accepted by German immigration offices for the student residence permit under § 16b AufenthG. What happens to student health insurance at age 30 in Germany? The subsidized GKV student tariff (~€135.52/month) typically ends at the end of the semester in which you turn 30. After that, you can switch to voluntary GKV (from ~€210/month) or private alternatives like [Care Student (€101.54/month, recognized as GKV-equivalent)](/en/insurance-plans/care-student/overview/). The key is switching before your student tariff expires to avoid coverage gaps. Can international students over 30 still get health insurance in Germany? Yes. Options include voluntary GKV membership, [Care Student (€101.54/month)](/en/insurance-plans/care-student/overview/), accepted for enrollment at many universities, or [Care College (from €27.50/month)](/en/insurance-plans/care-college/overview/) for students up to 40. The insurance certificate (Versicherungsnachweis) is sent immediately by email as a PDF. Is Care Student recognized as equivalent to public health insurance? Yes. Care Student is officially recognized as GKV-equivalent (gleichwertig) and includes the M10 notification required for university enrollment. It covers outpatient treatment, hospitalization, medical repatriation, and prescription medication — €101.54/month (12–29 J.) or €127.60/month (30–39 J.). → [Check Care Student now](/en/insurance-plans/care-student/overview/) [Imprint (German)](/impressum/)[Privacy (German)](/datenschutz/)[Contact (German)](/kontakt/) Copyright © 2026 Health insurance for foreigners, foreign guests and visitors in Germany and the EU. All rights reserved. All information without guarantee, errors excepted. Note: The content of this site is for general information and orientation purposes only. It does not constitute legal or insurance advice. For binding information, please contact the responsible Ausländerbehörde (foreigners' authority) or a lawyer. Last updated: September 8, 2026.