We help students over 30 find the right health insurance and show you how to make the most of the german healthcare system!
We’ll find the optimal health insurance coverage for you and show you how you can save up to €140 per month by choosing the right provider.
The right insurance coverage leads to better benefits and pays when it really counts – protecting you from high costs.
Many students have never looked into health insurance, even though it’s the most important insurance in Germany.
As independent financial advisors from Hesse, we specialize in health insurance and disability insurance. Our goal is to make these topics as simple and understandable as possible for everyone. This approach has already helped thousands of students across Germany find the right health insurance and save a significant amount of money.
The consultation sessions always take place online, but you're also welcome to visit us at our office in beautiful Kassel.
As independent insurance brokers, we compare all relevant offers across the entire insurance market for our clients.
Our insurance brokers and health insurance experts attend multiple seminars and training sessions every year to ensure we always provide the best possible advice to our clients. All team members are certified advisors.
You’re about to turn 30 or hit your 14th semester? Then listen up: Public health insurance is about to “level up” – but unfortunately, only in price. Instead of paying around €130, you’ll suddenly be charged about €260 per month – for exactly the same benefits.
Why? Because your low student rate is ending
The result: A letter lands in your mailbox, the deadline starts ticking – and many just start paying without questioning it.
Does it have to be that way? NO!
As a student, you're usually in great shape, rarely see a doctor, and hardly need any medication. So your health insurance should be cheap, right?
There are smarter ways. We’ll show you how to get fair coverage while saving a lot of money.
100% digital consultation and processing of all documents
Online, you’ll find thousands of alternative private health insurance offers – with massive differences in price and benefits. Many private insurance deals look cheap at first glance, but you can’t really tell if you’re making a mistake and might end up paying double in the end.
We translate the insurance jargon into plain German and English for you. That way, you save money every month and stay well covered for the rest of your studies.
Private health insurance offers you a student rate up to the age of 38, allowing you to enjoy top benefits at attractive prices.
After your studies, you can once again choose between public and private health insurance.
You no longer have to spend ages in the doctor’s waiting room and can get an appointment with a specialist right away. That means you can fully focus on your studies.
In private health insurance, BAföG recipients receive a subsidy of €84 for health insurance and €25 for long-term care insurance.
Just fill out our contact form, and we’ll get in touch with you via email and phone.
In a free initial call via Zoom or phone, we’ll find out whether we can support you.
After a thorough review, you’ll receive a personalized offer tailored to your needs.
We’ll support you throughout the rest of your studies – and beyond if you’d like. We're available around the clock to answer any questions you may have.
Yes – if the conditions are right! After turning 30, contributions to public health insurance double. By switching to private health insurance, you can not only save a lot of money but also benefit from better coverage.
Yes! After turning 30, your eligibility for the student rate in public health insurance ends – you’ll then be voluntarily insured under the public system, and your contribution doubles to around €260 per month.
The good news: You now you can switch to private health insurance – allowing you to secure better benefits at a lower cost.
Thanks to our many years of experience as independent insurance brokers in the field of health insurance, we analyze and compare all relevant providers on the market for you – objectively, independently, and tailored to your needs.
Our goal: a customized health insurance plan that perfectly fits your personal situation.
Your advantage: We don’t charge you for the consultation, as we’re compensated through commissions by the respective insurance companies. Long-term support is, of course, included – with no additional costs for you.
No – only if you want to and meet the requirements!
You can stay privately insured if, for example, you become a civil servant, self-employed, or a high earner (with a gross monthly income over €6,150).
But be careful: As soon as you finish your studies and take on a job subject to social insurance contributions (with a gross monthly income under €6,150), you’ll be required to switch back to public health insurance.
No, you don’t have to! Your doctor will give you an invoice, which you can easily scan using your insurer’s digital app – the costs are then covered directly for you. So there’s no need to pay upfront or cover anything yourself.
And in case of a hospital stay? Your private health insurance also settles the bill directly with the hospital – quickly, easily, and without going through you.
You must be at least 30 years old – or turning 30 soon – and still enrolled as a student. A mini-job or working as a student trainee (Werkstudent) is not a problem, as long as you work no more than an average of 20 hours per week.
During semester breaks, you’re allowed to work more – the key point is: 👉 Your studies must remain your main focus.
Premiums in student rates offered by private health insurers have remained extremely stable for years. In some cases, they even decrease annually – depending on the provider and plan.
While public health insurance contributions tend to rise almost every year, the costs of private health insurance remain consistently stable. Over time, this can have a significantly positive impact on your wallet.
We handle all the paperwork – including deadlines, applications, and the complete submission of all documents. You can sit back and relax – we’ll take care of the rest.
With us, you always have a dedicated contact person you can reach directly at any time.
If you have questions – just get in touch! We’re here for you personally.
Yes! As soon as you finish your studies and take on a job subject to social insurance contributions, you must return to public health insurance – unless you are a civil servant, self-employed, or earn more than €6,150 gross per month (as of 2025, annual income threshold)
Yes! With your private health insurance, you’re also covered abroad for up to 12 months. Depending on the provider and tariff, different rules and agreements may apply – we’ll be happy to check the details for you individually.
Yes! If you meet certain conditions, you can remain privately insured after your studies. This is possible if you:
become a civil servant
work self-employed, or
are a high earner (with a gross monthly income over €6,150).
We cover all relevant types of insurance for students and are happy to offer you comprehensive advice across all key areas.
From a selection of over 130 partners, we find the health insurance plans that best suit you.
As a student, you are eligible for discounted rates on disability insurance. Taking out a policy early locks in your current health status for the future
Whether it's a tax-optimized ETF savings plan or government-subsidized investments — as a student, starting to build wealth early lays the foundation for your financial future.
I live my profession – insurance broker by passion.
Together with my team, we support thousands of students across Germany in all matters related to insurance and finance.
At carestudent.de, i make sure that the quality of advice and customer satisfaction always remain at the highest level.
How we present Healthstudent to the outside world determines who we reach – and how many students we can help.
Our marketing team leadership ensures that we succeed in doing exactly that.
With a clear strategy, a strong brand presence, and targeted communication, we reach precisely those students over 30 who can benefit from our unbeatable offer: a smart alternative to expensive public health insurance.
Consulting at eye level – knowledgeable, personal, and always up to date. Our sales team leadership ensures that all advisors at Healthstudent are always on the cutting edge of knowledge. Through targeted training, regular updates, and close collaboration with experts, we ensure that every consultation is individual, easy to understand, and right on point. This way, you’ll find the private health insurance that truly fits your situation – without detours, without jargon, but with the reassuring feeling of being optimally covered.
Where is the healthstudent.de team based? Our headquarters is in Kassel. However, we’ve digitalized our processes to the point where we can handle the entire consultation and service via phone and video call.
A personal meeting on site is possible, but not necessary. This way, we can advise and support you no matter where you are.
