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- Health care in Germany
SBK covers medically necessary transport costs for your treatment
Travel expenses are the costs incurred when you travel for a treatment. You may travel by ambulance, taxi or public transport. We provide information about the conditions for claiming travel expenses on this page.
We cover your travel expenses if they are absolutely medically necessary in connection with a service provided by SBK. We can cover travel expenses in the following cases:
Your destination must be the nearest treatment facility based on your location.
We can only cover the costs of travelling to outpatient treatment in certain exceptional cases and with prior approval. These special exceptions have been made obligatory for all insurance providers.
Special exceptions are made for the following journeys:
If any of the aforementioned exceptions apply to you, please ask your doctor to issue a prescription to you directly and send it to SBK, 80227 Munich, Germany, before your planned journey. You can contact your personal consultant at any time if you have any questions.
You can use various means of transport to get to your place of treatment, including:
If you need to use a taxi, rental car, ambulance or rescue vehicle, your doctor will issue you with a prescription for the journey.
For travel expenses that we cover for you, you are legally obliged to contribute 10% for each journey (at least €5.00 and up to €10.00, but no more than the actual costs). Round trips count as single trips for these purposes. This applies to all insurants, including children.
You may be exempt from all statutory co-payments under certain circumstances. Your personal consultant is happy to help.
You do not have to pay any contribution towards travel expenses or other travel costs for medical rehabilitation.
In certain circumstances it may be necessary for the patient to be accompanied during the journey, such as for medical reasons or if the patient is a young child.
If your doctor confirms the need for an escort in a prescription, we will also cover the additional travel expenses of your escort. If the escort is unable to wait at the place of treatment during the procedure, we will even cover the cost of them travelling to and from the treatment centre without the patient.
The travel expenses that we cover for treatment at a health resort depend on the measures taken (inpatient or outpatient care and rehabilitation measures). We have a pick-up service in place with some of the resorts, which can pick you up from your home or the hospital and take you to the facility. We will provide you with all the information you need for your trip in your letter of approval. Please contact your personal consultant if you have any questions.
Your doctor will issue you with a prescription for the reimbursement of travel expenses, containing all of the details of transport deemed medically necessary, such as means of transport and escort, if applicable.
Please send this prescription to us before your journey: SBK, 80227 Munich, Germany.
If you meet the conditions for having your travel expenses reimbursed, your personal consultant will issue you with an approval quickly and easily, so that your transport service provider can invoice us directly without you having to make any advance payments.
Exception: you do not have to submit prescriptions to us in advance in the case of emergency journeys or journeys on public transport for full or partial inpatient hospital treatment.
For treatment at a health resort (inpatient or outpatient care and rehabilitation measures), we will provide you with all the information about your journey there and back in good time in the letter of approval. Please contact your personal consultant if you have any questions.