What insurance does a student need?
The question of whether and which insurance is actually needed always depends on your individual attitude to life. In this respect, everyone should examine the supposedly “independent” recommendations for their individual life situation and, in addition to their head, also include their own intuition in the decision. The consumer protection centers often offer help with this question.
Private liability insurance is mentioned almost everywhere as the most important because it secures one's existence. This covers high risks for small amounts if you cause personal injury or property damage yourself. In many cases, students are also insured through their parents. It is therefore worth asking your parents first.
In cooperation with ErgoDirekt, Allmaxx offers tariffs that offer very good coverage - and are also cheap.
Stiftung Warentest recommends insurance against occupational disability (BU), especially for young people. The earlier you insure against this risk, the cheaper and easier it is to find suitable business insurance. Allmaxx works with Cosmos Direkt in this area. You can request a non-binding offer here .
Health insurance is mandatory for all students, as you must present a corresponding certificate when enrolling or re-registering. Here, too, many students are insured through their parents' family insurance (although usually only until their 25th birthday). Special student advisors at BARMER GEK can answer all your questions about health and student health insurance. You can get in touch here .
Anyone who travels abroad should also take out foreign health insurance , as statutory health insurance often does not cover all services. We would be happy to make you a non-binding offer in collaboration with DKV, the health insurer of the Ergo Insurance Group.
When it comes to household contents , you are also insured with your parents if you continue to live in your parents' apartment. For everyone else, there is the special student household items , which was developed jointly by Ergo Versicherungsgruppe AG and allmaxx.
Legal protection insurance is not a must, but for many people it simply gives them a good feeling when they can defend themselves in the event of a dispute. That's why allmaxx offers student legal protection insurance for little money that is tailored precisely to student needs.
A Riester pension usually only makes sense if you have a job that is subject to social insurance contributions. Only then will the corresponding subsidies from the state be available, and then of course also for students.
The question of whether and which insurance you actually need as a student always depends on your individual attitude to life.
