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).
Offers You receive a bonus for Frequency Reward Statutory dental check-ups Treatment from a dentist in order to have healthy teeth. 1× per year €5 Professional dental cleaning Professional dental cleaning 1× per year €10 Vaccinations
or Travel vaccinationsRecommended vaccinations and protective vaccinations recommended for travel abroad. for each vaccination in the year €5 for each stamp Health check-up 18 or older Health 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 older Skin cancer check-up 1x between the ages of 18 and 34,
from the age of 35 every two calendar years.€5 Colon cancer screening 50 or older Tests (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 women Screenings 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 examinations usually once a year, depending on the age and type of screening €5 for each stamp Gesundheitsaktion im Unternehmen Health initiatives at work 2× per year (2 stamps) €5 for each stamp Certified (online) health classes Participation in certified (online) health classes in the areas of movement, nutrition, stopping smoking, relaxation or stress relief 1× per year €10 Swimming badge Swimming badge awarded by the German Olympic Sports Confederation and its affiliated clubs and the DLRG 1× per year €10 Sports badge Sports badge awarded German Olympic Sports Confederation for all types of sport and its affiliated clubs 1× per year €10 Active membership at a gym or sports class Training or sports class (e.g. climbing or dance lessons) with a qualified instructor 1× per year €10 Active membership in a sports club or regular participation in a sport at university or a company active membership in a sports club or regular participation in a sport at university or a company 1× per year €10 Fit and active Active 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 service Your child receives a bonus for Frequency Reward Statutory dental check-ups Treatment from a dentist in order to have healthy teeth 2× per year (2 stamps) €5 for each stamp Vaccinations
or Travel vaccinationsrecommended vaccinations and protective vaccinations recommended for travel abroad. for each vaccination in the year €5 for each stamp U and J-Check-ups U1-U11, J1 and J2 1× per year €5 Company health initiatives for young people who are employed Participation in health initiatives offered by your employer 2× per year (2 stamps) €5 for each stamp Certified (online) health classes Participation in certified (online) health classes in the areas of movement, nutrition, stopping smoking, relaxation or stress relief 1× per year €10 Active membership at a gym or sports class Training or sports class (e.g. climbing or dance lessons) with a qualified instructor 1× per year €10 Active membership in a sports club or regular participation in a sport at a company for young people who are employed Active membership in a sports club or regular participation in a sport at a company 1× per year €10 Swimming badge Swimming badge awarded by the German Olympic Sports Confederation and its affiliated clubs and the DLRG 1× per year €10 Sports badge Sports badge awarded German Olympic Sports Confederation for all types of sport and its affiliated clubs 1× per year €10 Fit and active Active 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 only submit the following invoices for reimbursement:
- Private invoices for medical treatment (known as ‘IGeL’ services)
- Private invoices from an alternative practitioner (such as for natural treatment methods, bioelectric procedures or traditional Chinese medicine)
- Private invoices for acupuncture
- Private invoices for dental treatment (except professional teeth cleaning)
- Invoices for glasses lenses and contact lenses for improving vision
- Invoices for fitness trackers, such as the Apple Watch
- Contribution invoices for additional hospital and nursing care insurance
- Class fees for first-aid courses (including those taken for driving licences)
- Invoices for sports and fitness equipment (such as in-line skates, balls, bicycle helmets)
- Fees for (non-certified) sports, fitness and health classes, as well as health apps, that offer online courses for preventive care or fitness building
- Private invoices for sports examinations
- Private invoices for general anaesthesia
- Private prescriptions for vaccines, as well as private invoices for medical vaccinations (vaccination costs)
- Private invoices for face masks
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
- 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.
- 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.
- 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.
- Before submitting your bonus booklet, please indicate in your booklet which bonus option you wish to receive: a cash bonus or a health bonus.
- 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.
- 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.