- SBK benefits
- Meine SBK
- Health care in Germany
All of the information you need concerning your contribution when you retire
You can take out health insurance with us as a pensioner when you meet the following criteria:
If you do not meet these criteria, you can take out voluntary insurance with us. Please talk to your personal consultant.
If you are receiving an orphan’s pension, you must have health insurance for pensioners due to this insurance – without needing to complete a pre-insurance period. By contrast, if you work in addition to receiving this pension, are in training or are utilising the services of the Federal Employment Agency, you are insured as an employee, trainee or recipient of unemployment benefits.
If you are a student, you are insured as a recipient of an orphan’s pension without contributions until you reach the age of 25. If you have done your national or civil service or served in the armed forces voluntarily, this contribution-free insurance period is extended by the service time for a maximum of 12 months.
You will then have health insurance for students if you meet the requirements for this. At this point you will have to pay contributions from your orphan's pension. If your share of contributions from the pension is lower than your contributions for student health insurance, however, the orphan's pension continues to be contribution-free. If the contributions from the pension exceed the contributions for student health insurance, you pay both contributions. You can apply to be reimbursed for your share of contributions from the orphan’s pension (up to the amount of the student health insurance contribution).
As a pensioner you pay the same health insurance contribution rate of 15.9%, just like other insurants. This contribution rate is a combination of the general contribution rate of 14.6% and the additional contribution of 1.3%.
The contributions for health and nursing care insurance are calculated back on your individual income. The following sources of income are taken into account in this case:
In total your income is only taken into account up to the contribution assessment ceiling. In 2018 this ceiling is €4,425 per month.
There is a minimum income limit for pensioners with voluntary insurance. In 2018 this limit is €1,015 per month. Contributions are calculated from this amount at a minimum, even if your actual income is lower than that.
The pension insurance provider pays contributions for statutory pensions at a rate of 7.3%. Contributions from foreign pensions, benefit payments and income from self-employed work are paid by you alone.
For foreign pensions and benefit payments from the Landwirtschaftliche Alterskasse (agricultural pension fund), the contribution rate is 7.3% plus an additional contribution of 1.3%.
For nursing care insurance, as well, you pay the same contribution as any other insurant. The contribution rate in 2018 is 2.55%. Individuals born after 31 December 1939 who have reached the age of 23 and do not have children pay an additional contribution for nursing care insurance of 0.25%. The pension insurance provider does not pay any contributions for nursing care insurance.
For statutory pensions, the pension insurance provider calculates the monthly contribution for health and nursing care insurance and pays it directly to us. The cost centre for your company pension also generally calculates the contributions itself and transfers it directly to us.
In the case of smaller cost centres, it may be that the full company pension is paid to you and then you pay the contributions to us yourself. Contributions from income from self-employed work are also paid by you. There are two easy ways to pay your contributions:
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, Kreissparkasse München-Starnberg, IBAN: DE85 7025 0150 0000 0242 24, BIC: BYLADEM1KMS
Health insurance for pensioners is an important and complex topic. Feel free to talk to your personal consultant. This is the best way to clarify the details and answer any questions you may have.