Lots of extra benefits and a bonus scheme tailored to expectant parents

Pregnant woman holds her stomach

The birth of your child is one of the most incredible moments of your life. We want you and your baby to be healthy and well cared for. That’s why we provide you with lots of extra benefits during pregnancy that go beyond the statutory minimum.

With our exclusive SBK-Babyglück-Paket, you, your baby and the baby's father can benefit from extra services worth up to 400 euros. The package includes three services: Care Plus, Midwife Care Plus and the Happy Baby Bonus, which rewards regular check-ups and preventative services. And best of all, the SBK-Babyglück-Paket allows you to choose the extras that you want for you and your baby.

Extra services included in the SBK-Babyglück-Paket:

You and your child will receive comprehensive care through the statutory check-ups conducted during pregnancy. You can find out which services are included in the statutory provision of care on our ‘Health checks for expectant mothers’ page. We want to ensure that you get the best care during pregnancy and have peace of mind, so as a mother-to-be we cover a range of additional screenings that go beyond the statutory minimum. You decide which of the following examinations are important to you, and receive up to 100 euros from us towards the cost.

Toxoplasmosis test

This test shows whether an expectant mother has been infected with toxoplasmosis and whether there is a risk of it being transmitted to the baby. Toxoplasmosis is an infectious disease caused by parasites. It is not considered dangerous to adults, but it can be harmful to unborn children. Infection with toxoplasmosis pathogens can cause severe developmental damage in unborn babies, which can lead to miscarriage. Infection usually occurs from contact with cats, food that has not been fully cooked, raw meat or unwashed fruit or vegetables. The toxoplasmosis test determines whether the expectant mother has already produced antibodies against the infectious disease. This antibody testing is normally conducted by a laboratory on behalf of your gynaecologist.

Cytomegalovirus test (CMV test)

This test shows whether the pregnant woman has been infected with cytomegalovirus, a herpes virus. The first infection with this virus rarely causes any symptoms, so the disease often goes undetected. However, if the immune system is already weakened, the disease breaks out and the patient will experience the symptoms of a cold or a flu-like infection. In healthy people, the body create antibodies, resulting in lifelong immunity.

An acute infection is only dangerous in pregnancy, as the pathogens can cross the umbilical cord to the unborn child. This can lead to miscarriage or damage to the child.

Group B streptococcus test

The group B streptococcus test reveals whether the subject has been infected with group B streptococcus. Group B streptococci settle in the vagina and bowel, so pregnant women may transfer the bacteria to their child during birth. As such, it is important to have the test carried out shortly before birth, so that the pregnant woman can be treated with antibiotics if necessary. This treatment can be given even a matter of hours before childbirth. If the child shows signs of infection, antibiotics may also be given to the newborn.

Detection of chickenpox and slapped cheek syndrome

Slapped cheek syndrome and chickenpox are common childhood illnesses. However, they can be dangerous to babies during pregnancy, as they cannot yet form their own antibodies. Slapped cheek syndrome and chickenpox are caused by viruses and are transmitted from person to person as an airborne infection. As a result, most people in Germany already have the antibodies for these diseases.

Nuchal translucency scan

This additional examination allows you to determine the risk of a genetic disease or other birth defects. An ultrasound device measures the thickness of the fluid cushion on the unborn child’s neck. The doctor uses this to calculate the likelihood of Down syndrome or another chromosomal defects. The nuchal translucency scan is a low-risk alternative to the PrenaTest or the Harmony test, which are considered to be personalised healthcare services, and are therefore conducted at the patient’s own expense.

Please note: the cytomegalovirus test (CMV test), group B streptococcus test and the check for chickenpox and slapped cheek syndrome antibodies are new services from 2018. As such, an allowance for such services is only granted if they were provided on or after 1 January 2018.

Have the security of knowing that your midwife will be there for you at the key moment of birth itself by arranging an on-call service with your trusted midwife for the last five weeks leading up to your due date. We cover all costs for participating midwives providing this service, up to a total of 250 euros.

You can find out which other costs we cover for midwife care and how to find a midwife on our ‘Midwife services’ page.

Let us reward you for accessing regular care during pregnancy and in the first few months of your baby’s life. You will receive a bonus of 50 euros for attending at least three approved care activities, which you can choose to use towards a birth preparation course for your partner (led by a midwife or another qualified provider), a parent and baby course with health-related content (e.g. baby massage, baby care, baby swimming, baby yoga, PEKiP, Delfi, Buggyfit, baby gym class).

If you do not want to redeem your bonus against a course, you will receive 10 euros for preventative services, which you can use as you see fit.

Please note: the Happy Baby Bonus is also new for 2018. All new mothers discharged from 1 January 2018 are eligible.

SBK-Babyglück-Paket – your benefits

It’s this easy to make the most of the services provided in the SBK-Babyglück-Paket:

Attend one of the aforementioned health checks at your gynaecologist. He or she will first issue you with a private invoice, as this is what is known as a personalised healthcare service. Please send this invoice to SBK, 80227 Munich, Germany, or email it directly to your personal consultant. The corresponding amount will be reimbursed directly to your account within a few days.

If you want to use the on-call midwife service, you will be given an invoice by your midwife, as this is a private service. In the first instance, you pay this invoice yourself. We cover the costs of a participating midwife up to a total of 250 euros. Please send this invoice to SBK, 80227 Munich or email it directly to your personal consultant. The corresponding amount will be reimbursed directly to your account within a few days.

Want to do something nice for yourself and your child? Here’s how:

  1. Request your Happy Baby Bonus booklet from your personal consultant right away. It will be sent out to you within a few days.
  2. It’s best to keep your Happy Baby Bonus booklet with you at all times, so that you can collect stamps for preventative services that you use before your baby’s first birthday.
  3. Have you collected at least three of the four possible stamps? Then you can choose how you want to spend your bonus of up to 50 euros – whether on a birth preparation course for your baby’s father or on a parent and baby course.
  4. If you do not want to redeem your bonus against a course, you will receive 10 euros for your stamped Bonus booklet, which you can use as you see fit.
  5. Send your stamped Bonus booklet and the course invoice to SBK, 80227 Munich, Germany, or email it directly to your personal consultant no later than three months after your child’s first birthday.

More on this topic

Midwife services
Health checks for expectant mothers