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Postgraduate studies - 9 / 20: health insurance & part time job while studying



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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.

Postgraduate studies - 9 / 20: health insurance & part time job while studying


Here writes for you: Simone Janson, German Top20 blogger, appearances in ARD, occasional articles for WORLD, TIME, WIWO, t3n, W & V, makes Best of HR - Berufebilder.de & HR-Kommunikation. Profile

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Important NOTE

This entry contains content and information that may be out of date, eg due to legal or statistical changes. Because it can still be helpful to get an overview of the topic, you can still find it here.

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.

Internships:

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.

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 fee 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 timeremunerationHealth, care and unemployment insurancepension Insurance
under 20 hours per weekup to 400 Euro monthlyinsurance prepaidinsurance prepaid
under 20 hours per weekfrom € 400,01insurance prepaidinsurable (reduced contributions)
under 20 hours per weekabout 800 Euro monthlyinsurance prepaidinsurance
over 20 hours per weekunder 800 Euro monthlyinsurable (reduced contributions)insurable (reduced contributions)
over 20 hours per weekabout 800 Euro monthlyinsuranceinsurance

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  1. Andreas Enns

    So I'm still not quite smart about it. I am studying and have now a place where I work maximum 20 hours a week and earn 800 € gross. Now my employer has notified the AOK, and the wrote me I should now myself for scarcely 86 € / month to insure themselves sick. Before I conclude this I wanted to provide more detailed information, clearly the AOK tells me I had to conclude this way. I have now but often read that I am not insurable in the health insurance, if I am a full-time student, ie maximum 20 hrs the week work. Can someone help me there?

    • Simone Janson

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

  2. Betty

    A small annotation worked under 20 hours per week and earned between 400 and 800 Euro. Could let me get rid of the pension insurance. Otherwise, but a very nice article with information that I have "long sought".

    • Simone Janson

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

  3. Simone Janson

    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

    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

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

  6. Simone Janson

    Hello Stefanie,
    on the topic of Jobben und Krankenversicherung during the study, the above text will help!

    Simone Janson

  7. Stefanie

    My daughter has been eligible as an official child since birth.

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

    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
    Stefanie

  8. Mustafa

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

  9. Simone Janson

    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 ambiguous - but is a technical term. I have now added something to make that clearer.
    gruß
    Simone Janson

  10. Hanni

    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

    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?
    gruß
    Simone Janson

  12. Lukas L.

    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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