SBK Bonus Scheme – frequently asked questions

Answers to frequently asked questions about the SBK Bonus Scheme (applicable as of 2021)

The SBK Bonus Scheme rewards you for health-conscious choices. You will receive a bonus of €5 or €10 for every healthy activity.

If the activity is a statutory preventive service, you will receive a bonus of €5 for every examination and for every completed vaccination. You can take advantage of these services simply by using your SBK healthcare card. You may occasionally receive an invoice for this, which we will cover for you either in part or in full.

If you invest in your health yourself, you will receive a bonus of €10. This includes membership of a gym, for example, or invoices for professional teeth cleaning.

You can choose the activities that best suit you. That way you are doing something good for your health and earning a bonus at the same time.

You only need one verified activity in the area of preventative care to receive a bonus. You will need at least two verified activities in the area of health-conscious choices before you receive a bonus.

These two areas are presented separately in the app and in the bonus booklet, which gives you a good overview of the activities and bonus options.

We will cover 100% of the costs of statutory health checks (except screening for skin cancer, where we cover up to €25 annually for customers under the age of 35 receiving services from an approved GP) and recommended vaccinations. For health initiatives, either your employer or SBK will cover the costs. We will subsidise 75% of the cost of certified health classes up to a maximum of €80 – up to twice a year. We also help you get the recommended vaccinations for travel abroad, for which we will reimburse 70% of the costs. Professional teeth cleaning and sports activities with qualified providers must be paid privately.

The digital system means you no longer have to collect stamps. Now you can simply confirm your activities digitally in the Meine SBK app on your smartphone by going to the Bonus Scheme section at meine.sbk.org/my-bonus-activities. For example, you can confirm your gym membership with a photo of your membership card or your bank statement showing regular payments.

For statutory health checks, simply enter your visits to the doctor in your Bonus Scheme. We will compare your details with the information of the doctor’s accounting data.

It’s easy to submit your bonus booklet online: take a photo of your bonus booklet and any other proof where applicable, and upload these to Meine SBK (app or web version). This method saves you time and money on postage.

When uploading documents for your family members, please ensure that the health insurance number and the name of your family member are legible on all the documents you submit This will ensure that the information is allocated correctly so that each family member receives their bonus.

Yes, you can specify a different bank account for each family member.

The automatic use of doctors’ accounting data for a bonus payment is not permitted by law. To ensure you receive your bonus for health checks, we need you to provide digital confirmation of your visit to the doctor.

Simply upload a photo of your participation certificate or confirmation from the organiser to the app under the ‘Fit & Active’ activity. If you have a bonus booklet, you can keep this proof there or have the organiser stamp the booklet at the appropriate point.

Unfortunately, we cannot give you a bonus for pure leisure activities. This includes the use of fitness apps. For sports activities you receive a bonus if you practise your chosen sport regularly under the instruction of a qualified trainer and keep proof of your qualified training in your bonus booklet.

That’s up to you. Your personal maximum bonus depends on the number of activities you do.

The Bonus Scheme always runs for the current calendar year. Activities can be submitted up until 31 March of the following year.

From the start of the new calendar year, you can then start to collect your bonus credit again thanks to your activities and check-ups. By the way, any credit you have not yet redeemed from previous years still remains valid.

You must submit your bonus booklet to us by post by 31 March of the following year or upload it to Meine SBK (app or web version), also by 31 March of the following year.

Your bonus credit will remain valid. You can use this credit to redeem a reimbursable invoice at a later time.

There are two options for having your collected redeemable bonus credit paid out: as a health bonus (reimbursement for an eligible invoice) or as a cash bonus (direct cash payment).

Health bonus: if you submit a reimbursable invoice, e.g. for glasses or other private invoices (see the list on the SBK Bonus Scheme page), the bonus amount will be transferred to you tax-free and SBK will not report this amount to the tax office.

Cash bonus: if you would like your bonus to be paid out as a pure cash payment without submitting a reimbursable invoice, this payment will be transferred directly to your bank account and reported by SBK to the tax office. You must declare this amount in your tax return. Find out more on the Health insurance and tax returns page.

The list of reimbursable invoices can be found here. Unfortunately, we are not able to reimburse invoices that are not on this list.

Take a photo of your family member’s bonus booklet and other proof where applicable and upload these to meine.sbk.org/bonus-scheme under the ‘You have a bonus booklet’ button.

Please ensure that the health insurance number and the name of your family member are legible on all the documents you submit. This will ensure that the information is allocated correctly so that each family receives their individual health bonus.

Whether we at SBK are required to report your bonus to the tax office depends on which bonus option you choose:

  • The cash bonus must be reported to the tax office by us and declared by you in your tax return.
  • The health bonus is not reported to the tax office by us and does not need to be declared by you in your tax return.

Find out more on the Health insurance and tax returns page or consult an income tax assistance organisation or tax advisor.

Please contact your personal consultant – they will be happy to send you a replacement booklet. It is easiest to take part in the Bonus Scheme digitally in the Meine SBK app.

Meine SBK Support Team is available to take your call Monday to Friday from 8 a.m. to 6 p.m. on: 0800 072 572 597 50 (free of charge within Germany). Or send an email to meinesbk@sbk.org, ideally with a full description of the problem or the error message.

You will find further information about the SBK Bonus Scheme or about Meine SBK here. Your personal consultant is also happy to help you further and provide individual advice.

Answers to frequently asked questions about digital use of the SBK Bonus Scheme (applicable as of 2021)

  1. The SBK Bonus Scheme is integrated in the Meine SBK app. Log into Meine SBK with your password or register now.
  2. To get full access to the SBK Bonus Scheme in Meine SBK, set up two-factor authentication using your personal device registration code, if you have not done so already.
  3. Don’t have a valid device registration code? Request a new one via the Meine SBK app. For security reasons you will receive the code by post within a few days.
  4. Then, instead of collecting stamps, you simply confirm your activities digitally in the Meine SBK app.
  5. You can have your collected bonus credit paid out easily via the ‘Redeem credit’ option. Simply select your desired bonus.

You can start using the SBK Bonus Scheme digitally at any time and submit your bonus activities using your smartphone. You can also upload your bonus booklet with the stamps you have already collected to the app at meine.sbk.org/bonus-scheme under the ‘You have a bonus booklet’ button.

Every customer 15 years of age or older can use the Bonus Scheme digitally through their own Meine SBK account. Next year you will also be able to use the SBK Bonus Scheme digitally for your children aged 14 and younger. We will let you know when this option becomes available.

The paper form of the bonus booklet will continue to be available for your family members. You can print it out at home at your convenience from Meine SBK. Alternatively, you can contact your personal consultant, who will send you the bonus booklet by post.

If you have set up two-factor authentication with the device registration code, you can instantly see your current bonus credit.

You get an up-to-date overview of the bonus you have collected up until now straight away.