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Medical aids

Medical aids allow you to handle everyday life with health restrictions more effectively

Medical aids provide assistance with everyday life, so that you recover faster or can compensate for health restrictions. Examples include hearing aids, wheelchairs and insoles.

With us you benefit from high standards of quality, as agreed with our contractual partners – medical suppliers, orthopaedic companies, audiologists and other medical aid providers. This applies to the condition and technology of the medical aids as well as the full range of services. These might include availability in an emergency or particularly rapid delivery times.

What’s more, we not only organise the supply of medical aids, but also adapt them to the individual. This means that you get the necessary accessories, repairs or replacements immediately, directly from our contractual partners. We also offer comprehensive advice as standard to help you choose the right medical aid, taking your individual needs and living environment into account. 

Medical aids – your SBK benefits:

Statutory co-payments, fixed fees, provision if higher-value requests

All insurants aged 18 and older pay 10% of the sales price of every medical aid – at least €5.00 but no more than €10.00. A monthly co-payment is charged for all consumables, such as incontinence products. This co-payment is also 10%, up to a maximum of €10.00. 

Aids required during pregnancy are exempt from co-payments. These include any breast pumps needed for newborn babies. 

Some aids are daily-use items that are also used by healthy people. In this case, you must pay a contribution. In the case of orthopaedic shoes, for instance, the shoes are the basic commodity, which you must pay for yourself; only the orthopaedic fittings count as medical aids. You pay the corresponding contribution directly to the contractual partner. 

If you would like extras for your medical aids that are simply for your convenience or comfort, then you pay for the cost of these yourself. Please contact the contractual partner for advice. 

How to get medical aids:

Does your doctor think that you need a medical aid? In this case, they will issue you with an appropriate prescription. Such prescriptions may also be issued by the attending physician at a hospital or rehabilitation clinic. Most medical aids are available directly from our contractual partner, and you simply need to give them the prescription from your doctor. 

As a rule, you need prior approval from us for any medical aids. The contractual partner always requests this for you. After we have given approval, you will receive your medical aid via our contractual partner. 

Some aids, such as sleep therapy devices, can only be used after instruction on how to use them correctly. 

Other medical aids have to be individually adapted, such as the seat width of wheelchairs, orthoses and shoe inserts. We also cover the cost of these adaptations for you. 

Please contact our contractual partner directly if your medical aid needs to be repaired, modified, replaced or checked. They will then invoice us directly for the service.

Find out about specific medical aids here:

If you have questions about other medical aids, please get in touch with your personal consultant.

More on this topic:

Co-payment exemption