Other voluntary insurants

Are you neither an employee, student nor pensioner? Even if you do not belong to any of these groups, you can still take out insurance with us as a voluntary member or automatically remain insured after the end of an insurance policy, for example due to the end of employment. This means you benefit from comprehensive and seamless insurance cover as well as the strong benefits and personal advice provided by SBK.

Assessment basis

The contribution as a voluntary member is based on your income up to the contribution assessment ceiling of €5,175 per month (2024). If your income is lower, your contributions for voluntary insurance are based on the amount of your actual income. The lower limit for calculating contributions is €1,178.33 per month (2024).

This means that in 2024 you will pay contributions from an income of:

Contributions to health care insurance

Currently, the reduced contribution rate is 15.7% (incl. SBK supplementary contribution) and the general contribution rate is 16.3% (incl. SBK supplementary contribution). Whether you pay the reduced or the general contribution rate depends on the type of income you have. So if you have different types of income, you may pay the reduced contribution rate on one part of your monthly income and the general contribution rate on another part. You can find out which income is used to calculate contributions here.

Contributions to nursing care insurance 

The basic contribution rate for nursing care insurance is 3.4%. This applies to insured persons with one child or insured persons under the age of 23.

Insured persons with two or more children receive relief depending on the number of children. For each child under the age of 25, the basic contribution rate is reduced by 0.25 percentage points. You can find a list of contribution rates according to the number of children here.

For insured persons over the age of 23 and without children, the contribution rate is 4.0%.

*Insured persons who are 23 or older and do not have children pay an additional 0.6% for nursing care insurance.

Income subject to contributions includes all income used for maintenance, such as: 

Once a year we will ask you about your income situation in order to calculate the contributions to be paid. 

If your spouse or partner is privately insured, their income is also used to calculate the contributions.

Supporting evidence includes, for example, income tax assessments, payslips and account statements.

You can simply set up a direct debit for your contributions. To do so, send us a direct debit authorisation via your personal online self-service branch, Meine SBK. We will then debit your contributions from your account on time, every time. Alternatively you can give us a SEPA direct debit mandate. Please contact your personal consultant to do so.

Or you can transfer your contributions yourself. Please note that your contributions must be credited to our account by the 15th of the following month at the latest. For example, contributions for January must reach our account by 15 February at the latest. 

Please transfer your contributions to the following bank account: 

SBK, UniCredit Bank GmbH, IBAN: DE58 7902 0076 0027 9131 99, BIC: HYVEDEMM455