Child benefit, BAföG, health insurance for trainees & students
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During training or studies, child benefit continues until age 25. The family benefits office needs proof.
BAföG is state funding for students and pupils. 50% grant, 50% interest-free loan.
Students can stay in family insurance until 25. After that, student health insurance is required.
A ticket for public transport in the RMV area is included in the semester fee.
BAföG recipients can be exempted from the broadcasting fee.
As a student you may work max. 20 hours per week during semester to stay in student health insurance.
For training or studies definitely have your own account. Many banks offer free student accounts. A credit card is essential for online shopping, travel and international payments.
Two insurances every student and trainee needs: liability insurance pays if you accidentally damage someone. Legal protection insurance helps with disputes – e.g. with landlord or employer.