Medicines and dressings
All the information you need on co-payments and discount agreements for medications
Medicines and dressings are often an important component of therapy, whether to treat a minor infection or a more sustained illness. We support your recovery by covering a majority of the costs of your prescription medication. This page provides important information on medicines and dressings, discount agreements, co-payment rules, what prescription colours mean and much more.
Latest notice: recall of medicines containing valsartan
You can get up-to-date information on the recall of these medicines from your personal consultant.
Medicines and dressings – your SBK benefits:
- SBK covers a majority of the costs of your prescription medication. You only pay the statutory co-payment.
- For many substances, SBK has concluded discount agreements with up to three manufacturers, giving you high-quality medicines and freedom of choice. As an SBK insurant, you benefit a second time from the savings facilitated by discount agreements, as they allow us to keep contribution rates stable.
- If you have questions about medicines and ingredients, the medical experts at the SBK Health Telephone are available 24/7 to answer them. Call the SBK Health Telephone on 0800 072 572 570 00 (free of charge within Germany).
If your doctor gives you a prescription covered by health insurance, we cover a majority of the cost. You pay a small amount towards it yourself – what’s known as a co-payment. The co-payment for prescription medication is generally 10% of the sales price – at least €5.00 and no more than €10.00. You will never pay more than what the medicine actually costs. This means that medication costing less than €5.00 is exempt from co-payments.
|Price of prescription medication||Co-payment|
|€12.00||€5.00 (minimum co-payment)|
|€80.00||€8.00 (10% co-payment)|
|€150.00||€10.00 (maximum co-payment)|
Who is exempt from co-payments?
In general, no co-payment is made in the following cases:
- Children and adolescents under the age of 18 are exempt from co-payments.
- Medicines prescribed in relation to pregnancy and childbirth are also exempt from co-payments.
In addition to these cases, individuals for whom their co-payments exceed their ‘co-payment limit’ are also exempt from co-payments. This co-payment limit is equal to 2% of their gross income for the calendar year. The co-payment limit is reduced to 1% for individuals with chronic illnesses. These people can request co-payment exemption for the current calendar year. Find out more about this rule on the ‘Co-payment exemption’ page.
We have concluded ‘discount agreements’ with pharmaceutical companies for many prescription medicines. When your doctor prescribes you a medicine, your pharmacist will then give you a discounted preparation with the same active ingredient from a participating SBK partner.
These cost savings allow us to provide our insurants with high-quality care at affordable prices. You can also see the benefit of these savings specifically in the stability of your contribution rates.
Your personal consultant can provide you with information on our current discounted medicines.
In exceptional cases with a legitimate medical reason, your doctor can still prescribe you a specific medicine by crossing the ‘Aut idem’ (a Latin term used by medical professionals that means ‘or the same’) box on the prescription. So don’t worry: no SBK insurant will be forced to take medicines to which they have an intolerance or to pay for necessary medicines out of their own pocket.
The fixed amount is the maximum amount that statutory health insurers – including SBK – are permitted to cover for a prescribed preparation. Fixed amounts for medicines are defined by the National Association of Statutory Health Insurance Funds and are binding for all statutory health insurers across the board.
If the price of a medicine as defined by the manufacturer exceeds the fixed amount, the patient must pay the difference out of their own pocket, in addition to the co-payment. The difference therefore represents an additional cost. In this case, you can ask your doctor to prescribe an alternative that would not come with additional costs, as such alternatives do generally exist.
Doctors can issue prescriptions for medicines and dressings on pink, yellow, blue and green forms. The prescription colours dictate the validity of the prescription and how costs are handled.
Pink – prescriptions covered by health insurance
Doctors can and must prescribe prescription medicines that they deem to be medically necessary on pink prescription forms. These medicines must be included in the catalogue of services provided by statutory health insurance. The doctor treating you also needs health insurance approval. The prescribed medication is covered by SBK and you only have to pay the statutory co-payment. Prescriptions covered by health insurance are valid for four weeks.
Yellow – narcotics prescriptions
Yellow prescription forms are reserved for narcotics, such as strong painkillers. They are subject to especially strict rules in terms of how they are prescribed and dispensed. Narcotics prescriptions are valid for seven days from the time they are issued.
Blue or non-form – private prescriptions
Doctors use blue forms or non-form prescription sheets to prescribe medicines for which there is no therapeutic necessity, for example, but the patient has expressed a desire for it. Doctors also use private prescriptions for ‘lifestyle preparations’, which are used to prevent hair loss or aid weight loss, for example. Private prescriptions are valid for three months unless the doctor specifies otherwise.
Green – recommendations
Green prescription forms are used for non-prescription medication that is recommended by the doctor as a therapy aid but is not medically necessary. SBK is not allowed to cover the cost of non-prescription preparations for economic reasons. Recommendation prescriptions are valid for an unlimited amount of time.
By the way, you can also get a medicine prescribed on a green prescription form from your pharmacist at any time, even without a doctor’s recommendation.
Some medicines you can simply purchase from your pharmacist without needing a prescription. You generally pay for these medicines yourself, even if they have been prescribed to you. This includes the following medicines:
- Cold and flu medicines
- Travel medicines
There are some exceptions for certain groups of individuals and illnesses. These medicines are known as restricted prescription medication.
Restricted prescription medication
The costs of these medicines can be covered by us in the following cases:
- Medicines for children under the age of 12 or adolescents under the age of 18 with developmental disorders.
- Medicines that are a standard component of treatment of a serious illness, such as acetylsalicylic acid (aspirin) used as aftercare following heart attacks and strokes, antihistamines used to treat serious types of allergies or laxatives in conjunction with strong painkillers (opioids).
- When other measures or medicines are not effective.
These medicines must be included on prescriptions covered by health insurance and must only be available in pharmacies. Statutory co-payment rules apply to restricted prescription medication.
‘Lifestyle preparations’ are not medically necessary and are mainly used to improve quality of life. Statutory health insurers – including SBK – are not allowed to cover the costs of these preparations.
These include, among other things:
- Erectile dysfunction aids
- Smoking cessation preparations
- Medicines used to suppress the appetite or aid weight loss
- Preparations used to prevent hair loss
How to get medicines and dressings:
Simply present your doctor’s prescription to your pharmacist. You will then be given the prescription medication or dressing and pay the statutory co-payment. If the price of the medicine exceeds the fixed amount for statutory health insurers for this medication, you pay the difference from your own pocket. But your doctor will generally be able to prescribe you an alternative preparation that does not come with additional costs.
You cover the cost of non-prescription medication and private prescriptions yourself. As a statutory health insurer, SBK is not allowed to cover these costs for you.