- SBK benefits
- Meine SBK
- Health care in Germany
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.
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.