SBK Babyglück

Lots of extra benefits and a bonus scheme tailored to expectant parents (for babys born before 2025)

Note: SBK-Babyglück is for children born up to 31 December 2024. For children born from 2025 onwards, we offer our new SBK Family-Plus.

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, you and your family benefit from extra services worth up to €200 in total. These include selected additional benefits and services worth up to €150 and the Babyglück bonus scheme where you can earn an additional €50 bonus.

And the best thing about SBK Babyglück: additional benefits allow you to choose the additional check-ups and classes that you feel are most important for you and your baby at the time.

SBK Babyglück – your benefits

You can receive attractive extra benefits for your whole family around your pregnancy, worth up to €200.

With selected additional check-ups, we want to offer you a bit more peace of mind during this special time.

You will get extras like an allowance to be put towards a shared birth preparation course or for baby courses such as baby massage.

The SBK Babyglück is flexible and customised – you decide what matters to you and your baby.

Extra services included in the SBK Babyglück:

You know best what’s good for you and your family. That’s why we offer you a flexible benefit – up to €150, which you can use for any three selected additional benefits and services you want: additional preventative check-ups, a shared birth preparation course with your partner and an on-call midwife service. Simply combine the additional services you feel are most important for you and your child.

Additional check-ups

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 you to feel well looked after and have greater peace of mind during your pregnancy. That’s why with us you receive additional preventative check-ups as an expectant mother that go beyond the statutory standard. You can use your flexible €150 benefit to have additional examinations during your pregnancy if desired:

Toxoplasmosis test

Cytomegalovirus (CMV) test

Group B streptococcus test

Detection of chickenpox or slapped cheek syndrome antibodies

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.

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.

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.

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.

Shared birth preparation course

Alternatively, you can put part of your flexible €150 benefit towards a shared birth preparation course. Many expectant parents and couples are keen to prepare for the birth of their child together. SBK not only covers the costs for you as an expectant mother, but also for your partner or another chosen birthing companion for courses from approved participating midwifes or physiotherapists.

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

On-call midwife service

There for you in person at the key moment of birth itself: arrange for an on-call service with the midwife of your choice for the final five weeks leading up to your due date. Within your flexible €150 benefit, we will cover the costs for an approved participating midwife chosen by you. You can find out which other costs we cover for midwife care and how to find an approved participatingmidwife on our Midwife services page.

Please note: Birth preparation courses with your partner are new services on offer from 2021. We have also increased the amount available to you. As such, this allowance is only granted for services provided on or after 1 January 2021.

What if you receive services prior to 1 January 2021? Your personal consultant will be happy to advise you on whether and to what extent reimbursement is possible.

Pharmacy-only medicines during your pregnancy

During pregnancy, iodine, folic acid, magnesium and iron are among the most important nutrients and minerals for mother and baby. That’s why we reimburse up to €150 of the cost of these four pharmacy-only medicines flexibly in the SBK Babyglück bonus scheme to cover your individual need during your pregnancy.

Important information about reimbursement:

The costs of iodine, folic acid, magnesium and iron as single or combination drugs are reimbursed.

Confirmation from your doctor of medical necessity

Pharmacy invoice

I would like to take part in the Babyglück Bonus Program

Would you like to do something good for yourself and your child? It's as simple as that:

The more activities, the higher your bonus.

You can receive a bonus for prenatal care, the postnatal course, the U1 and U2 examinations and the newborn's first vaccination.

To make things quick and easy, you no longer need a bonus booklet. Simply upload the certificates to Meine SBK no later than three months after your child's first birthday. Alternatively, you can send them to us by post. You can find our postal address and a prepaid envelope on our contact page

Do you still have our Babyglück bonus booklet? Then send it to us no later than three months after your child's first birthday. Simply take a photo of the back of your Baby Happiness Bonus Booklet with the stamps and your signature. Then upload it to Meine SBK . Alternatively, you can send us your Babyglück bonus booklet by post. You can find our postal address and a prepaid envelope on our contact page.

You decide how you redeem your bonus:

Redeem bonus for baby course: You can choose for which baby course you would like to redeem your accumulated bonus of up to €50.

Redeem bonus for free disposal: If you do not wish to redeem your reward for a course, you will alternatively receive your accumulated bonus of up to €25 for free disposal.

It's this easy to make the most of the services provided in the SBK Babyglück:

The only requirement for being able to choose the appropriate SBK Babyglück benefits and services for your family is that the expectant mother must be insured with SBK at the time at which the service is used.

You pay upfront for additional preventative check-ups, a birth preparation course, the on-call midwife service and selected pharmacy-only medicines during pregnancy. You’ll soon have up to €150 back, of course:
Simply upload the invoices as photos in the Meine SBK app or at meine.sbk.org/en.
You can also send your documents by post to: SBK, 80227 Munich, Germany. We will reimburse the costs by bank transfer in a few days.

Frequently asked questions about SBK Babyglück

The costs of iodine, folic acid, magnesium and iron as single or combination drugs can be reimbursed under the SBK Babyglück bonus scheme. Only the costs of non-prescription, pharmacy-only medicines are reimbursed.

Reimbursement for medicines under SBK Babyglück is only possible during your pregnancy.

If you have a deficiency before or after your pregnancy, your doctor can invoice us directly for the appropriate medicines using your SBK healthcare card. Your doctor will decide which medicines are important for you.

You need the following documents in order to be reimbursed for medicines during your pregnancy: