SBK Retention Tariff
With this rate you benefit if you use few services
New premiums
Our SBK Retention Tariff is changing at the turn of the year and now offers the chance of an even higher premium. The new scheme starts on 1 January 2027. You can register now via Meine SBK:
Are you already a participant in the SBK Retention Tariff? If so, your participation will automatically end on 31 December 2026. We will send you a personalised notification regarding this.
With SBK, you have a health insurance company with strong benefits and personal advice at your side. However, we know that as long as you stay healthy, you will only need a few benefits. You can benefit from this because your health is rewarded. With the SBK Retention Tariff, you enjoy the full range of benefits offered by SBK. Your monthly health insurance premium also remains the same. Your advantage: if you make no or only few use of benefits, you will benefit financially. We reward your health after just one year with a bonus of up to €500, depending on your income.
In return, you contribute up to a certain amount to the costs if you do happen to fall ill. This amount is called the retention. Your co-payment (the retention) is limited to a maximum of €150, depending on your tariff level. This means you always have full control over the costs of your treatment. It is important to note that statutory preventive medical checkups are excluded from the retention, so you do not have to contribute to the costs of these.
Premium levels
| Tariff level | 1 | 2 | 3 |
|---|---|---|---|
| Gross annual income from | €10,000 | €30,001 | €60,001 |
| Maximum annual premium | €150 | €300 | €500 |
| Maximum annual deductible | €200 | €400 | €650 |
| Maximum remaining co-payment | €50 | €100 | €150 |
The following are counted toward the retention:
The following factors do not affect the retention:
The maximum premium in tariff level 3 is €500.
Example 1:
| Services used | |
|---|---|
| Taking into account the retention | €0 |
| The insured person will receive in August of the following year | €500 |
| Notification to the tax office for the tax year in question in January of the following year | €500 |
Example 2:
| Services used | |
|---|---|
| Taking into account the retention | €150 |
| The insured person will receive in August of the following year | €350 |
| Notification to the tax office for the tax year in question in January of the following year | €500 |
Example 3:
| Services used | |
|---|---|
| Taking into account the retention | €4.200 |
| The insured person will receive in August of the following year | -€150 (Recovery of the SBK) |
| Notification to the tax office for the tax year in question in January of the following year | €500 |
How to obtain the SBK Retention Tariff:
You can choose the rate at the beginning of the next month or a subsequent month. This can be done quickly and easily via Meine SBK.
Would you prefer to receive the application in paper form? Then simply contact your SBK consultant. You can find the contact details
When you sign up for the SBK Retention Tariff, it runs for three years. During this period, you are required to remain a member of SBK. After three years, the tariff ends automatically and you can choose it again.
You will receive your premium payment or the invoice for your co-payment (retention) until the end of the following year. The reason for this is that we do not receive the invoices from doctors' offices, clinics, and pharmacies until that time.
Consideration in the tax return
The law stipulates that premium payments reduce deductible pension expenses. As a health insurance company, we are therefore obliged to report the maximum possible premium amount per calendar year to the relevant tax office.
Good to know: You can find more information on health insurance and tax returns
