Why students should have disability insurance

Today we will show you as a student how you can get up to €500 cashback for your disability insurance from the health insurance company IKK - Die Innovationskasse.

It works for your existing insurance as well as for new insurance that you want to take out.

IKK – Innovationskasse   

As early as January 1, 2006, the Guild Health Insurance Fund North (IKK Nord), with 154,132 members, arose from the IKK Mecklenburg-West Pomerania and IKK Schleswig-Holstein merger.

From 2006 to January 31, 2021, the health insurance company was only open to the federal states of Mecklenburg-Western Pomerania and Schleswig-Holstein. Since February 1, 2021, as part of a change in the statutes, the name of the health insurance fund has been changed to IKK - The Innovation Fund and the nationwide opening has been completed.



The IKK now has 246,864 insured persons (as of November 10, 2022) - of whom 201,055 are members.
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How much does the IKK cost me as a student?

Here you will find three examples of health insurance contributions. The IKK Innovationskasse is currently at 1.3% additional contribution and the cheapest health insurance hkk at 0.69%.

Can I change my health insurance just like that?

Typically, you can always change your health insurance company, taking into account the crucial period. This is 12 months and the notice period is usually another two months. Since most health insurance companies adjust their contributions in January, there is a special right of termination. So you can switch to the new health insurance company after two months. You don't have to do anything for this, apart from applying for the IKK Innovationskasse, because the new health insurance company will take care of everything for you.

Suppose you are a student with statutory health insurance and are thinking about disability insurance in the future or even already have one. In that case, you will have a massive advantage with the deal from the IKK - The Innovationskasse.