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Postgraduate studies: health insurance and part time job while studying

In principle, having a job during your studies does not affect student health and pension insurance if you stay below certain hours. Health insurance does not care how much you earn, as long as you have enough time to focus on your studies - then you are considered a decent student.

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The merit decides

In the case of a job during the semester, the merit or the temporal extent determine whether contributions to regular health insurance are due for employees or not. The following are all possible options:

  1. During the lecture period, they do not spend more than 20 hours a week: There is no insurance obligation in the health care, nursing and unemployment insurance. However, contributions to the pension insurance are due if the earnings exceed 400, - Euro per month. Half of the contributions are paid by employers and employees. If the earnings are between 400,01 Euro and 800,00 Euro (Gleitzone), the employee share is calculated from a linearly reduced amount. Within this sliding zone the social security contributions are calculated progressively using a formula. As a result, the employee pays less than his usual share and therefore receives a higher net fee. Taxation is individual.
  2. They work during the current semester at no more than 20 weekly hours and during the semester breaks without limiting the weekly working hours: The same applies as above.
  3. During the lecture period, they spend more than 20 hours a week: now, social insurance contributions are also payable for health care, long-term care insurance and unemployment insurance. Exceptions: The job is limited to a maximum of two months by the parent or is designed in such a way that the work is done mainly on weekends or in the evening or night hours.
  4. In the course of 365 days (several years), you have several jobs with a working time of more than 20 weeks per week and are more than 26 weeks in total: Now you have become an employee under insurance law, the student status will certainly fall back on the insurance obligation to all branches there is nothing more to be defaulted on social insurance.
  5. Employees who take up their studies in addition to their permanent employment generally remain subject to social insurance. Unless the monthly salary is reduced to not more than 400, - Euro. Compulsory insurance also exists if you are on leave as a worker for the duration of your studies, with continued payment of wages - but only if these monthly payments exceed 400, - Euro.

No matter how much money you earn and how many hours you work, you are, apart from course, from student health insurance, health insurance, unemployment insurance and unemployment insurance, and do not need to pay contributions if the job is limited to the lecture-free period ,

With the pension insurance it looks somewhat different. The exception is that you can not earn more than a monthly 400, - Euro. The above-mentioned regulation applies to marginal workers.


There are special arrangements for internships, which are prescribed in study or examination regulations. Those who, on the other hand, do a voluntary internship, like most, are insured in the pension insurance, irrespective of the amount of the internship remuneration. On the other hand, he remains a student insurance (or in the family insurance), insofar as the internship is not paid.

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In full-time internships during the lecture period, which are not mandatory, the student health insurance expires, even if nothing is paid - then yes not studied! Then you are tax and social security law as a normal worker. If an internship remuneration has been agreed, the employer must report you to the tax office and pay income tax, and pay social security contributions to the health insurance. Depending on how high the remuneration is, the special rules for mini-jobs may apply.

In the overview:

total time remuneration Health, care and unemployment insurance pension Insurance
under 20 hours per week up to 400 Euro monthly insurance prepaid insurance prepaid
under 20 hours per week from € 400,01 insurance prepaid insurable (reduced contributions)
under 20 hours per week about 800 Euro monthly insurance prepaid insurance
over 20 hours per week under 800 Euro monthly insurable (reduced contributions) insurable (reduced contributions)
over 20 hours per week about 800 Euro monthly insurance insurance

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14 responses to "Postgraduate studies: health insurance and part-time job during your studies"

  1. Andreas Enns says:

    So I'm still not quite smart. I study and have a job by the way where I work a maximum of 20 hours a week and earn 800 € gross. Now my employer has notified the AOK, and they wrote me I have now for just 86 € / month self-insured. Before I conclude this now, I wanted to get more information, clearly the AOK tells me I have to conclude this way. But I have read more often that I am not insurable in the health insurance, if I am a full time student, say a maximum of 20 hours work the week. Can someone help me there?

    • Simone Janson says:

      Hello Mr. Enns, then should actually point 1 o. 2 grab. Unfortunately, we can not give legal advice in individual cases. Perhaps there is a counseling center here at your Studentenwerk that will help you.

  2. Betty says:

    A small note worked under 20 hours a week and earned between 400 and 800 euros. But I was able to get exempt from pension insurance. Otherwise, however, a very nice article with information that I was looking for a long time "back then".

    • Simone Janson says:

      Thanks for the hint. This is exactly what is written in the text above.

  3. Simone Janson says:

    Hi Jenna,
    that's all there is to it in the text: it depends on whether the internship is prescribed or not. If not, it is treated as a full-time job, and the student's health insurance as well as the pensions insurance cover are dropped. Therefore please always ask questions!

  4. jenna says:

    Hello :)
    I am in the 6. Semester of my studies and, in addition to a seminar, I intend to make an 6 internship in the next semester. This is paid with 800 Euro (38 hours / week). I am already in a student insurance, do I have to consider anything else? Many Thanks!

  5. Holger Froese says:

    Question from official child, with the right to help: As student 20 week hours work # Education

  6. Simone Janson says:

    Hello Stefanie,
    on the subject of job and health insurance during the study helps the text above!

    Simone Janson

  7. Stefanie says:

    My daughter has been eligible as a civil servant since birth.

    She is a student and wants to spend 2012 hours a week for about 20 Euro net until the end of her studies (will be exmatriculated in March 1.000).

    Question: Can it continue to be covered by the health insurance scheme so that it can continue to use private health insurance until the end of the study period?

    Thank you

  8. Mustafa says:

    if I hire a man on 400 € basis from when is really the health insurance?
    A from 401 €
    B from 410 €

  9. Simone Janson says:

    Hello Hanni,
    thank you for the hint. I assume that they are still under 25 and thus in the family insurance. Then it is actually like you say, or if you do not have a minijob, you can even earn only 365 Euro monthly. More about this:

    However, the contribution above applies to people who are already in student health insurance. If the above-mentioned limits are exceeded, this means that one falls out of the comparatively favorable student health insurance. Moreover, the entire article series, as shown on the right, is aimed at people who are planning a postgraduate degree.

    I admit that the term insurance-free for student health insurance is a bit misleading - but it is a technical term. I've now added something to make that a little clearer.
    Simone Janson

  10. Hanni says:

    that is not true, the health insurance is no matter how many hours you work, as soon as you earn more than 400 euro (4800 euro a year), you have to insure yourself student.

  11. Simone Janson says:

    Hello Lucas,
    thank you for your question. Due to the law service law, I am unfortunately not allowed to answer any legal questions in the individual case.
    But do not you find the answer to your question right at the beginning of the article?
    Simone Janson

  12. Lukas L. says:

    I am 27 years old and full-time student (approx. 30 SWS). In addition to my studies, I am self-employed, but I spend about 7 hours a week. Due to the negligence I have monthly income of about 200 Euro.
    Can I still be a student with health insurance?
    Thank you for the information.

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