Hospital treatment

With SBK, you have optimal cover for inpatient stays in hospital

If you have a stay in hospital coming up or you are already receiving inpatient treatment, you want to get back on your feet as quickly as possible. We will help you to do this by covering the costs of any treatment required for your stay in the hospital – without restriction. This includes all medically necessary services you need in hospital, such as medical treatment, nursing care, supply of drugs/medication/medical aids, accommodation and food.

Hospital treatment – your SBK benefits:

  • You will receive all medically necessary hospital treatment in the clinic of your choice without restriction as to the amount – all you need to do is make a statutory co-payment.
  • We will be happy to help you search for a suitable hospital. Simply contact your personal SBK consultant. They will help you find suitable hospitals in your area quickly and efficiently. They have access to extensive information, such as the specialist’s medical qualifications, areas of specialisation and patient ratings. They can also see which hospitals are recommended by medical colleagues – this extra information is only available to SBK customers.

Steffen Herold, personal consultant, Neustadt bei Coburg


‘We will be happy to help you find a suitable hospital for your treatment in your area, so you can rest assured that you are in good hands.’

How to get hospital treatment:

If you require hospital treatment, your doctor will generally refer you to a suitable hospital. You do not require prior consent from us. Exceptions to this do apply in the federal states of Berlin and Brandenburg, however: here, you will need to provide the hospital with confirmation on the day of admission that we will cover the costs. This will need to have been issued within a maximum of 14 days prior to admission for hospital treatment. 

In all other cases, it is sufficient to present your SBK health care card at the hospital and you will receive all necessary medical treatment. Those 18 years of age and older make a co-payment towards the costs of full inpatient hospital stays for a maximum of 28 days a year, as stipulated by law. This co-payment amounts to 10 euros per day. You pay the amount directly to the hospital after you are discharged. Co-payments are not usually required for maternity stays. 

More on this topic:

Personal Specialist and Hospital Search
Travel costs
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