Your overview of co-payments in statutory health insurance
You get most services from doctors and therapists directly through your SBK health care card. Sometimes you have to pay part of the costs for these services yourself – this part, which is governed by law, is called a co-payment. Get an overview here:
Co-payment rules at a glance:
|Type of co-payment||Rule||Note|
|Medication, dressings and medical aids||Co-payment of 10% of the price, at least €5.00 and no more than €10.00; the co-payment never exceeds the actual cost of the item in each case||Examples:|
Price of medication: €12.00, co-payment: €5.00.
Price of medication: €80.00, co-payment of 10% of the price: €8.00.
Price of medication: €150.00, co-payment: €10.00.
In the case of medical aids that are consumable (such as incontinence pads), the co-payment is capped at €10.00 per month and there is no minimum payment of €5.00.
|Travel costs (e.g. rescue services to the hospital)||Co-payment of 10% of the cost, at least €5.00 and no more than €10.00 per trip||Co-payments for travel costs are incurred when rescue and emergency services are required, including rescue vehicles, emergency personnel, air and water rescues – even if no patient transport actually takes place.|
|Remedies and home nursing care||Co-payment of 10% of the cost plus €10.00 per prescription; in the case of nursing care, the 10% co-payment is capped at the first 28 days per calendar year.||Example: prescription for six massages, co-payment: 10% of the price of the massage plus €10.00 for the prescription|
|Home help, social therapy||Co-payment of 10% of the cost per calendar day, at least €5.00 and no more than €10.00|
|Inpatient care and rehabilitation measures, medical rehabilitation for mothers and fathers||Co-payment of €10.00 per day||In the case of rehabilitation measures that take place immediately after and in connection with treatment in hospital, the co-payment must be paid for a total of no more than 28 days.|
|Hospital stays||Co-payment of €10.00 per day, capped at 28 days per calendar year|
Co-payments for children and adolescents
For children and adolescents under the age of 18, co-payments are only incurred in the case of travel costs. We will cover the full costs for all other services.
In certain cases you can get exemption from co-payments. The conditions for exemption can be found on the Co-payment exemption page.