SBK Bonus Scheme

Motivated, activated and rewarded.

Are you regularly taking care of your health? It’s great that you're taking the time to do that. Now you can reward yourself for your healthy lifestyle with the SBK Bonus Scheme. It’s easy to get involved digitally via the Meine SBK app. This allows you to keep track of your bonus activities wherever you are and at any time – all together in one place along with other SBK services.

Eine Frau sieht sich ihr SBK-Bonusprogramm-Guthaben in der Meine SBK-App an.

SBK Bonus Scheme – your benefits

Easily take part via the Meine SBK app.

Save up to €20 for each health activity.

You will get a bonus for vaccinations, going to the gym and much more.

You can submit your activities at any time from anywhere.

In your Meine SBK account you will find the bonus scheme for your children under 15 years old covered by family insurance. Children from the age of 15 can take part in the bonus scheme digitally via their own account.

It's that simple

Offers	You receive a bonus for	Frequency	Reward 2024
Statutory dental check-ups	Treatment from a dentist in order to have healthy teeth.	1× per year	€5
Professional dental cleaning	Professional dental cleaning	1× per year	€10
Vaccinations or Travel vaccinations	Recommended vaccinations and protective vaccinations recommended for travel abroad.	for each vaccination in the year	€5 for each proof
Health check-up 18 or older	Health checks for the early detection of diseases with your healthcare card	1x between the ages of 18 and 34, from the age of 35 every three calendar years.	€5
Skin cancer screening 18 or older	Skin cancer check-up	1x between the ages of 18 and 34, from the age of 35 every two calendar years.	€5
Colon cancer screening 50 or older	Tests (stool test or colonoscopy) for the early detection of colon cancer	1x between the ages of 50 and 54, from the age of 55 every two calendar years.	€5
Early detection screenings for men and women	Screenings for women over the age of 18 for the early detection of e.g. breast cancer and cervical cancer and for men over the age of 45 for e.g. prostate tactile examinations	usually once a year, depending on the age and type of screening	€5 for each proof
Health initiatives at work	Participation in health campaigns organised by your employer	2× per year	€5 for each proof
Certified (online) health classes	Participation in certified (online) health classes in the areas of movement, nutrition, stopping smoking, relaxation or stress relief	2× per year	€20 for each proof
Swimming badge	Swimming badge awarded by the German Olympic Sports Confederation and its affiliated clubs and the DLRG	1× per year	€20
Sports badge	Sports badge awarded German Olympic Sports Confederation for all types of sport and its affiliated clubs as well as any performance badge of a sports association	1× per year	€20
Active membership at a gym or sports class	Training or sports class (e.g. climbing or dance lessons) with a qualified instructor	1× per year	€20
Active membership in a sports club or sports class	active membership in a sports club or regular participation in a sport at university or a company or sports class (e.g. climbing or dance lessons)	1× per year	€20
Fit and active	Active participation in sporting events under qualified leadership, e.g. organised city runs or hikes coordinated through the German Alpine Club (DAV)	2× per year	€20 for each proof
10,000 Step Challenge*	walk/run at least 10,000 steps for seven days in a row	2× per year	€20 for each proof

With the SBK Bonus Scheme, you can reward yourself with €250 or more.

*We only reward this activity when you use our Bonus Scheme digitally via Meine SBK.

Type of service	Your child receives a bonus for	Frequency	Reward 2024
Statutory dental check-ups	Treatment from a dentist in order to have healthy teeth	2× per year	€10 for each proof
Vaccinations or Travel vaccinations	recommended vaccinations and protective vaccinations recommended for travel abroad.	for each vaccination in the year	€5 for each proof
U and J-Check-ups	U1-U11, J1 and J2	1× per year	€10
Company health initiatives for young people who are employed	Participation in health initiatives offered by your employer	2× per year	€5 for each proof
Certified (online) health classes	Participation in certified (online) health classes in the areas of movement, nutrition, stopping smoking, relaxation or stress relief	2× per year	€20 for each proof
Active membership at a gym or sports class	Training or sports class (e.g. climbing or dance lessons) with a qualified instructor	1× per year	€20
Active membership in a sports club or sports class	Active membership in a sports club or regular participation in a sport at a company or sports class	1× per year	€20
Swimming badge	Swimming badge awarded by the German Olympic Sports Confederation and its affiliated clubs and the DLRG	1× per year	€20
Sports badge	Sports badge awarded German Olympic Sports Confederation for all types of sport and its affiliated clubs as well as any performance badge of a sports association	1× per year	€20
Fit and active	Active participation in sporting events under qualified leadership, e.g. organised city runs or cycling tours coordinated through the General German Cycling Club (ADFC)	2× per year	€20 for each proof
10,000 Step Challenge*	walk/run at least 10,000 steps for seven days in a row	2× per year	€20 for each proof

With the SBK Bonus Scheme, you can reward yourself with €250 or more.

*We only reward this activity when you use our Bonus Scheme digitally via Meine SBK.

How to take part in the SBK Bonus Scheme digitally:

Right after logging in with your password, set up the two-factor authentication, if you have not done so already. Only then will you have full access to the SBK Bonus Scheme in the app and be able to see your bonus credit.

Collect your activities digitally using your smartphone.

Simply select the ‘Redeem credit’ field in Meine SBK. You can then select the bonus you want.

Good to know:

All insured persons from aged 15 or older can use the SBK Bonus Scheme digitally through their own Meine SBK account.

You can also use the SBK Bonus Scheme digitally for your children up to the age of 14, simply via your Meine SBK account.

If you do not have a smartphone, you can take part in the Bonus Scheme in paper form and submit your documents to us by post. You can order a printed from for collecting stamps with your personal consultant. It is valid for one calendar year.

If you still have collected stamps, you can submit it with the activities already recorded via the app.

How the tax-free bonus payment works

You can use your collected bonus amount for the following services outside of the regular scope of benefits of statutory health insurance. The advantage is that this option will have no tax implications for you. You will find more information at sbk.org/tax.

These invoices are eligible for reimbursement of the collected bonus:

All receipts for the recognition of the bonus activities (e.g. costs paid for sports club, gym or sports course, etc.)

Private invoices for medical treatment (known as ‘IGeL’ services)

Private invoices from an alternative practitioner (such as for natural treatment methods, bioelectric procedures or traditional Chinese medicine)

Invoice for training on breast self-examination by medical touch diagnosticians

Private invoices for acupuncture

Private invoices for dental treatment (for example professional teeth cleaning)

Invoices for glasses lenses and contact lenses for improving vision

Invoices for devices that measure and record your fitness and health status (e.g. self-tests and rapid tests for coronavirus antibodies, blood pressure monitor)

Invoices for fitness trackers

Premium invoices for health and supplementary care insurance, private accident and occupational disability insurance

Class fees for first-aid courses (including those taken for driving licences)

Invoices for sports and fitness equipment (such as in-line skates, balls, bicycle helmets)

Fees for (non-certified) sports, fitness and health classes, as well as health apps, that offer online courses for preventive care or fitness building

Private invoices for sports examinations

Private invoices for general anaesthesia

Private prescriptions for vaccines, as well as private invoices for medical vaccinations (vaccination costs)

Private invoices for face masks

Frequently asked questions about the SBK Bonus Scheme

More information can be found on the page Frequently asked questions about the SBK Bonus Scheme.

SBK Bonus Scheme

How to take part in the SBK Bonus Scheme digitally:

Frequently asked questions about the SBK Bonus Scheme

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