- SBK benefits
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- Health care in Germany
If you are 35 years or older, you can get a health check every two years
Women and men 35 years and older can get a medical health check every two years. This check-up is used for early detection of cardiovascular diseases, diabetes mellitus and kidney disease. If your doctor catches risk factors early, you get twice the benefit: diseases can be treated early and you have the chance to actively change your choices and lifestyle.
1. Case-taking (medical history)
First your doctor asks about your medical history, including any previous illnesses and those of your close family members. Your doctor may consider any existing individual risks (such as a genetic predisposition).
2. Medical examination
Usually your doctor will take your blood pressure, physically examine your stomach, listen to your heart and lungs, and check your head, throat and sensory organs as well as your reflexes, joints, spine and muscle tone.
3. Laboratory testing of blood and urine
Your blood and urine are also examined. For blood samples it is best to arrange for a morning appointment. This is because your last meal must have been eaten at least twelve hours prior. Your blood sample is used to measure your total cholesterol and glucose (fasting blood sugar) levels. These levels provide initial indications of risk factors for cardiovascular diseases and diabetes. Your blood sample is not used to create a full blood profile, however. Your urine is examined using urine test strips. This testing shows whether your urine contains protein, glucose, red and white blood cells and nitrite. The result provides indications of possible kidney disease or diabetes.
At the end of the health MOT, your doctor discusses the results with you. Your doctor will go over these results and advise you – if necessary – on how you can have a healthier life. If your doctor finds anything noteworthy, they will order more tests.
You can get a health MOT every two calendar years from the age of 35. For example, if you have a check-up in June 2016, you can get another check-up any time from January 2018.
Simply contact a licensed general practitioner or internalist.
All services specified in the German Federal Joint Committee’s Guideline on health check-ups for early detection of diseases are covered by us in full. This includes the tests and examinations conducted by the doctor and laboratory as described above. You just need to present your SBK health care card.
If something noteworthy or concerning comes up during your check-up and needs to be investigated medically, we will also cover the costs of that.
Your doctor can also offer you personalised health care services as part of the health MOT. You would then pay for these services yourself privately. In this case, ask your doctor for two things: specific information as to why they recommend additional tests and time to consider your options. A prerequisite for additional tests is always a written agreement between you and your doctor.
The tests may cause some concern and uncertainty over a potential illness.
Please note: If you are not connected directly, unfortunately, all lines are busy at the time of your call. In this case you will hear an announcement in German and be directed to an answering machine. You are welcome to leave your name and telephone number after the tone and we will call you back as soon as possible.
Arrange for a health MOT with your GP or an internalist. This will usually involve two appointments. In the first appointment, blood and urine samples are taken. In the second appointment, your doctor will discuss the lab results with you and conduct their own physical examination of you. You just need to present your SBK health care card – we’ll cover the cost for you.