SBK Bonus Scheme

Be proactive about maintaining your health and benefit from rewards

It pays to have a healthy lifestyle, thanks to the SBK Bonus Scheme. You and your children can easily take advantage of the scheme. How? If you go for the recommended preventative check-ups or get protective vaccinations, and if you are active at the gym or in a sports club, you are already doing something worth rewarding with a bonus. Specifically, the bonuses can run up to 100 euros per year for adults and young people who do ten things to maintain their health, and up to 60 euros for children up to 14 years of age who do six things to maintain their health. As a special extra, adults participating in the Bonus Scheme for the first time also get a one-time welcome bonus of 25 euros.

Simply choose the preventative services and sporting activities that suit you and your children, then confirm that these services or activities actually took place in your health file. You can either receive your bonus in your account or donate it to children with cancer.

SBK Bonus Scheme – your SBK benefits: 

  • The SBK Bonus Scheme is simple: you are rewarded for doing things that promote your health. Even doing just two things is enough to earn a reward. 
  • The first time you receive a reward, you get a one-time welcome bonus of 25 euros.
  • With the Bonus Scheme 2018, you get a new type of reward through your personal health bonus account in the form of a subsidy for your favourite sporting activity and for lots of other health services that until now we were not permitted to reimburse – and by the way, this subsidy is even tax-free!
  • You can take part in the SBK Bonus Scheme online and print out your health file as verification – all you have to do is register on Meine SBK (your personal online self-service branch). After registering you will automatically receive a new health file every year.

 

Katja Klingler, personal consultant, Aalen

‘With us it pays to have a healthy lifestyle and get preventative care: get a confirmation stamp for every service and activity. Every stamp earns 10 euros, which you can make use of yourself or donate to children with cancer, if you wish.’

From 2018, you can also use your bonus rewards for lots of additional services and activities that promote good health, such as your favourite sporting activity and a number of other health services that until now we were not permitted to reimburse. The benefit here is that we are not required to report the reimbursements for these types of services and activities to the tax office, as opposed to direct bonus payments that we do have to report.

You can use your bonus from the SBK Bonus Scheme for the following additional services and activities from 2018 onwards:

  • Private invoices for acupuncture
  • Private invoices from alternative practitioners offering Hufeland therapy. (The Hufeland list of services includes special therapies such as natural treatment methods, bioelectric methods or traditional Chinese medicine.)
  • Invoices from opticians, pharmacies, online shops selling glasses and contact lenses for improved vision
  • Class fees for first-aid courses (including those taken for driving licences)
  • Invoices for fitness trackers, such as the Apple Watch
  • Contribution invoices for additional hospital and nursing care insurance
  • Invoices for sports and fitness equipment (not including sports clothing and shoes), such as cycling helmets, hiking and Nordic walking sticks, swimming goggles, balls, mats, bands for stretching exercises, skipping ropes, inline skates, roller skates, cross trainers, trampolines, table tennis or badminton rackets and much more
  • Fees for sports, fitness and health classes, including online classes, such as health apps that offer online prevention or fitness building classes
  • Private invoices for dental treatment (for dentures and fillings, but not for professional teeth cleaning, as this already earns a bonus reward in your health file)
  • Private invoices for sports exams, personalised healthcare services and general anaesthesia

Please note that invoices for the aforementioned services must be dated 2018 or later.

OffersYou receive a bonus forFrequencyReward
Dental care or professional teeth cleaningTreatment from a dentist in order to have healthy teeth1× per year€10.00
Protective vaccinationsRecommended vaccinations1× per year€10.00
Travel vaccinationsProtective vaccinations recommended for travel abroad1× per year€10.00
Health MOT from the age of 35Health MOT from the age of 35 for early detection of diseasesEvery two years€10.00
Cancer screeningOne statutory cancer screening, regardless of the type of screening1× per year€10.00
Prenatal care or J2 check-upCheck-ups during pregnancy or the J2 check-up for young people aged 16–17Per pregnancy or J2 check-up€10.00
SBK health campaign at workParticipation in health campaigns conducted by your employer in cooperation with SBK1× per year€10.00
Sports badgeSports badge awarded by the German Olympic Sports Confederation1× per year€10.00
Membership in a sports club or gymMembership in a sports club or gym1× per year€10.00
Fit and activeHiking/mountain biking classes through the German Alpine Club (DAV) or German Hiking Association (DWV), organised cycling tours through the General German Cycling Club (ADFC)1× per year€10.00
OffersYou receive a bonus forFrequencyReward
Dental care  or professional teeth cleaningTreatment from a dentist in order to have healthy teeth1× per year€10.00
Protective vaccinations
or travel vaccinations
Recommended vaccinations and protective vaccinations recommended for travel abroad1× per year€10.00
Health MOT from the age of 35Health MOT from the age of 35 for early detection of diseasesEvery two years€10.00
Cancer screeningOne statutory cancer screening, regardless of the type of screening1× per year€10.00
Prenatal care or J2 check-upParticipation in certified health classes or the J2 check-up for young people aged 16–171× per year€10.00
SBK health campaign at workParticipation in health campaigns conducted by your employer in cooperation with SBK1× per year
(two stamps)
€10.00
Swimming or sports badgeSports badge awarded by the German Olympic Sports Confederation and its affiliated clubs1× per year€10.00
Membership in a sports club or gymActive membership in a sports club or gym1× per year€10.00
Fit and activeOutdoor activities led by expert instructors, e.g. hiking/mountain biking classes through the German Alpine Club (DAV) or German Hiking Association (DWV), organised cycling tours through the General German Cycling Club (ADFC), corporate and city organised runs1× per year€10.00
Type of serviceYour child receives a bonus forFrequencyReward
Dental careBiannual check-up for healthy teeth1× per year€10.00
U and J check-upsComplete U1–U11 and J1 check-ups as appropriate for the age of the child1× per year€10.00
Protective vaccinationsRecommended vaccinations1× per year€10.00
Sports badgeAchievement of a sports badge1× per year€10.00
Swimming badgeAchievement of a swimming badge1× per year€10.00
Sports classes / membership in a sports clubParticipation in a sports class (e.g. rock-climbing class) or active membership in a sports club1× per year€10.00

How to take part in the SBK Bonus Scheme:

Online registration is very easy: just register yourself and your family members online in Meine SBK (your personal online self-service branch) for the SBK Bonus Scheme. Your health file and that of your family members can be easily printed out and then used to verify your healthy lifestyle. Alternatively, you can request your health file from your personal consultant.

As you do things during the year to maintain your health, get a stamp and signature from your doctor, trainer or instructor as confirmation. Then specify whether you want to receive the bonus payment yourself, use it as a subsidy (this option is available from 2018) or donate it to Strahlemaennchen.de, a non-profit organisation that helps children with cancer.

Send your health file with two or more confirmed services or activities to the following address at the end of the bonus year, or no later than 31 March of the following year:

SBK
Kennwort ‘Bonusprogramm’
80227 Munich
Germany

Your bonus payment will then be transferred directly to your account. In order to use your bonus as a subsidy, you can send the invoice along with your health file or submit it later. If you choose to donate your bonus, we will transfer the amount to Strahlemaennchen.de.

Please note: if you have tax-related questions concerning the bonus payments, please contact your responsible tax office or your tax advisor. You can get further information from your personal consultant. We will send you a certificate indicating the amount of bonus payment you received in the previous tax year for presentation to your tax office.

 

More on this topic:

SBK Bonus Scheme FAQs
Health checks for men and women
Health checks for children and young people
Protective travel vaccinations
Adult vaccinations
Dental check-ups for adults
Strahlemaennchen.de