In principle, working while studying has no effect on student health and pension insurance if you stay below a certain number of hours. The Health insurance it doesn't matter how much you to earn, as long as you have enough time on your Study to concentrate - then you are considered a regular student.

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The merit decides

When working during the semester decide the earnings or the amount of time about whether contributions to the regular health insurance for employees are due or not. All conceivable options are listed below:

  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, apart from student health insurance, you are exempt from health, nursing care and unemployment insurance and do not have to pay any 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 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 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