As a student, a refugee can be a member of the health insurance for students (KVdS), if he or she is under 30 years old and has not finished the 14. Semester. Since winter 2016/2017 the monthly payment is 66,33 € plus additional costs of the chosen health insurance and a small amount for the nursing insurance. If you are under 25 years old, there may be the possibility to be covered by the insurance of your parents without extra costs. Please ask your insurance for details.