SBK bears the costs of all medically necessary treatments
Do I need a referral for a specialist?
Generally speaking, you can consult a specialist without a referral. A referral is only important if your doctor is providing laboratory services or you are seeking medical diagnostics or treatment from practitioners of nuclear medicine, pathologists, radiologists, radiotherapists or transfusion physicians.
GP-centred care is also the exception here. If you choose this approach, you will need a referral from your GP in order to see a specialist.
How long does a letter of referral remain valid?
A letter of referral is valid for the entire quarter in which it was issued. If the doctor named in the referral letter only begins treatment in the following quarter, the letter of referral issued in the previous quarter may still be used, provided that the insurant has a valid health care card at the time of treatment.
Why do I have to pay for certain medical services privately?
Many doctors offer their patients additional medical services that insurants must cover themselves. These are known as personalised healthcare services. The medical benefit of such services has not been sufficiently scientifically proven, so statutory health insurance does not usually cover them.
Medical treatment – your SBK benefits:
- We cover the costs of all medical services under the legal regulations.
- You have a free choice of all approved GPs, specialists and psychotherapists. We are happy to help you find a suitable doctor near you. Simply use our Personal Specialist and Hospital Search.
How to get medical treatment:
You can contact the doctor of your choice directly. All you have to do is show your SBK health care card and we’ll do the rest. A co-payment is not required for medical treatment.
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