SBK Bonus Scheme

Be proactive about maintaining your health and benefit from rewards

You do something for you – we do something for you. Get a double bonus for your effort: if you are committed to your health, we will reward your participation in preventive medical check-ups and sports activities within the SBK Bonus Scheme – with €10 for each check-up/activity once you have collected evidence of participation in at least two activities.

SBK Bonus Scheme – your SBK benefits: 

  • The SBK Bonus Scheme is simple: Every healthy activity you log in your bonus booklet earns you €10. You will receive the bonus when you have completed at least two activities. 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.
  • 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.
  • You choose: you can either receive your bonus as a cash incentive paid directly into your bank account or redeem your reward as a health bonus that you invest collectively back into your health directly. You can redeem the collected bonus amount for sports equipment, glasses or treatments at an alternative practitioner. These are just some examples; the complete list of all reimbursable invoices can be found on this page under ‘How the health bonus works’. Choosing this second 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.

‘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.’

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 diseases1x between the ages of 18 and 34
From the age of 35 every three calendar 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 active Outdoor 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 runs 1× per year€10.00

The first time you receive a reward as an adult, you get a one-time welcome bonus of 25 euros.

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 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. You can only submit the following invoices for reimbursement:

Send your reimbursable invoice along with your bonus booklet to SBK, 80227 Munich, Germany. You will then receive a reimbursement for this invoice, up to the amount of your collected bonus.

How to take part in the SBK Bonus Scheme:

  1. Simply register via your personal 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 confirmation in your booklet means €10 for you! Fill your booklet with activities throughout the calendar year.
  3. Submit your bonus booklet with the confirmations of your activities. You can receive your bonus as soon as you have recorded at least two activities in your booklet. Before submitting your bonus booklet, please indicate which bonus option you wish to receive: a cash bonus or a health bonus. Send your bonus booklet no later than 31 March of the following year to SBK, 80227 Munich, Germany. You can also hand in your bonus booklet at an SBK branch.
  4. After submitting your bonus booklet, if you choose the cash bonus the money will be transferred directly to your bank account. If you choose the health bonus, you will be reimbursed for eligible invoices you have sent in, up to the amount of your collected bonus.

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
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