SBK Bonus Scheme (from 2021)

Be proactive about maintaining your health and benefit from rewards.

If you do something good for your health, we will give you something back as a reward. Get a double bonus for your efforts. For every attendance at a preventative check-up or participation in a sporting activity, you receive a bonus of €5 or €10 – depending on the type of check-up/activity. What’s more, for the 2021 attendance duration, you have an even bigger choice of activities eligible for a bonus.

Note

Due to the coronavirus pandemic, we will accept 2019 bonus booklets until the end of 2020. Information on the rules of the SBK Bonus Scheme for the attendance duration up to the end of 2020 can be found on this page.
 

SBK Bonus Scheme – your SBK benefits:

  • For every check-up and every vaccination, you receive €5. You are eligible for this bonus from the very first activity. SBK covers the cost of these check-ups via your healthcare card or will reimburse you up to €25 towards the cost of skin cancer screening for customers under 35.
  • You receive a bonus of €10 per year for professional teeth cleaning.
  • In the area of health-conscious behaviours and sport, you receive €10 per activity. You are eligible for the bonus from this area once you have completed at least two activities within one year.
  • You can take part in the SBK Bonus Scheme online – simply register on Meine SBK.
  • You choose: you can either receive your bonus as a payment to your bank account (cash bonus) or as a reimbursement of an invoice for sports equipment, glasses or treatments at an alternative practitioner, for example (health bonus).

"With us it pays to have a healthy lifestyle and get regular check-ups – so make sure you get a confirmation stamp in your bonus booklet with every activity. Every entry is worth real money."

OffersYou receive a bonus forFrequencyReward
Statutory dental check-upsTreatment from a dentist in order to have healthy teeth.1× per year€5
Professional dental cleaningProfessional dental cleaning1× per year€10
Vaccinations
or Travel vaccinations
Recommended vaccinations and protective vaccinations recommended for travel abroad.for each vaccination in the year€5 for each stamp
Health check-up 18 or olderHealth checks for the early detection of diseases with your healthcare card 1x between the ages of 18 and 34,
from the age of 35 every three calendar years.
€5
Skin cancer screening 18 or olderSkin cancer check-up1x between the ages of 18 and 34,
from the age of 35 every two calendar years.
€5
Colon cancer screening 50 or olderTests (stool test or colonoscopy) for the early detection of colon cancer 1x between the ages of 50 and 54,
from the age of 55 every two calendar years.
€5
Early detection screenings for men and womenScreenings for women over the age of 18 for the early detection of e.g. breast cancer and cervical cancer and for men over the age of 45 for e.g. prostate tactile examinationsusually once a year, depending on the age and type of screening€5 for each stamp
Gesundheitsaktion im UnternehmenHealth initiatives at work2× per year (2 stamps)€5 for each stamp
Certified (online) health classesParticipation in certified (online) health classes in the areas of movement, nutrition, stopping smoking, relaxation or stress relief1× per year€10
Swimming badgeSwimming badge awarded by the German Olympic Sports Confederation and its affiliated clubs and the DLRG1× per year€10 
Sports badgeSports badge awarded German Olympic Sports Confederation for all types of sport and its affiliated clubs1× per year€10
Active membership at a gym or sports classTraining or sports class (e.g. climbing or dance lessons) with a qualified instructor1× per year€10
Active membership in a sports club or regular participation in a sport at university or a companyactive membership in a sports club or regular participation in a sport at university or a company1× per year€10
Fit and activeActive participation in sporting events under qualified leadership, e.g. organised city runs or hikes coordinated through the German Alpine Club (DAV)1× per year€10 

Type of serviceYour child receives a bonus forFrequencyReward
Statutory dental check-upsTreatment from a dentist in order to have healthy teeth2× per year (2 stamps)€5 for each stamp
Vaccinations
or Travel vaccinations
recommended vaccinations and protective vaccinations recommended for travel abroad.for each vaccination in the year€5 for each stamp
U and J-Check-upsU1-U11, J1 and J21× per year€5
Company health initiatives for young people who are employedParticipation in health initiatives offered by your employer2× per year (2 stamps)€5 for each stamp
Certified (online) health classesParticipation in certified (online) health classes in the areas of movement, nutrition, stopping smoking, relaxation or stress relief1× per year€10
Active membership at a gym or sports classTraining or sports class (e.g. climbing or dance lessons) with a qualified instructor1× per year€10
Active membership in a sports club or regular participation in a sport at a company for young people who are employedActive membership in a sports club or regular participation in a sport at a company1× per year€10
Swimming badgeSwimming badge awarded by the German Olympic Sports Confederation and its affiliated clubs and the DLRG1× per year€10
Sports badgeSports badge awarded German Olympic Sports Confederation for all types of sport and its affiliated clubs1× per year€10
Fit and activeActive participation in sporting events under qualified leadership, e.g. organised city runs or cycling tours coordinated through the General German Cycling Club (ADFC)1× per year€10

How the health bonus works

You can use your collected bonus amount for the following services outside of the regular scope of benefits of statutory health insurance. Choosing this option has tax benefits, as the bonus amount is not considered a contribution reimbursement and therefore does not have to be reported to the tax office.

You can find out more about how you receive your health bonus in the next section under "How to take part in the SBK Bonus Scheme".

How to take part in the SBK Bonus Scheme

  1. Simply register via our online self-service branch Meine SBK. That way you can print out your bonus booklet directly at home. Alternatively, you are more than welcome to contact your personal consultant, and we will send you your bonus booklet by post. You use the booklet for one calendar year.
  2. Just have your doctor or service provider confirm your health activities in your bonus booklet. That way we will know that you have been actively doing something for your health. Every stamp means €5 or €10 for you, depending on the activity. Fill your booklet with stamps throughout the calendar year.
  3. Please send your bonus booklet with stamps for the year by no later than 31 March of the following year. To be eligible for the bonus, your booklet needs at least one confirmed activity from the area of check-ups and vaccinations, or two confirmed activities from the area of sport.
  4. Before submitting your bonus booklet, please indicate in your booklet which bonus option you wish to receive: a cash bonus or a health bonus.
  5. Take photos of your bonus booklet with the collected stamps using your smartphone and upload them in the Meine SBK app under ‘Bonus Scheme’. If you wish to receive the health bonus, please upload the reimbursable invoices as smartphone photos at the same time. Alternatively, you can upload the photos of your bonus booklet, stamps and any invoices for the health bonus to the Meine SBK website. This saves you time and shipping costs, as well as contributing to climate protection. If you would prefer, you can send the paperwork by post: SBK, 80227 Munich, Germany.
  6. If you have chosen the cash bonus, the money will be transferred directly to your bank account after submitting your bonus booklet. If you have chosen the health bonus, you will be reimbursed for eligible invoices you have sent in, up to the amount of your collected bonus.

Frequently asked questions about the SBK Bonus Scheme (up to the end of 2020)

More information can be found on the page Frequently asked questions about the SBK Bonus Scheme.