Health insurance for working students?
Hello,
I (23) would like to take on a student internship. I read online that if you earn more than €587 a month, you have to take out your own insurance. However, in my case, I'll sometimes earn more and sometimes less. The total annual salary won't exceed €12*587. Since the health insurance company only finds out my total salary at the end of the year, family insurance should still be available for me, right?
I also wonder why various gross-net calculators always deduct nursing care insurance, since the same applies as with health insurance?
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You must provide your employer with a certificate of enrollment, as otherwise, they would have to pay contributions for employment over €520. The employer pays pension and unemployment insurance for a student employee. This means your health insurance provider will learn about your student employment and will contact you at some point, then retroactively request student health insurance contributions from the start of your employment.
Why should this happen if I don't earn more than €7,044 a year?
As a working student , you are required to have pension insurance. Since the health insurance company is the collection agency for social security contributions, your employer sends a notification to them.
You will then be registered as a working student in the KVdS (student health insurance scheme) and will be required to pay the student health and nursing care insurance premium. This will cost approximately €120 per month (the amount varies slightly depending on the additional premium).