Trainees

Your training – your health insurer

Starting your career is an exciting time. There is so much to learn and discover and a few things to keep in mind, starting with choosing the right health insurance. SBK is there for you right from the start, so you can focus entirely on this new phase of your life. Thanks to your SBK consultant, who is always on hand to provide useful tips and answer your questions.

We would be happy to show you why SBK is the right health insurance for you, and provide you with individual advice on contributions and benefits within your training.

Earn rewards with our bonus program

We cover your travel vaccinations

Convenient self-service options in our app

A personal cosultant for your health questions

Make a free consultation with our English-speaking experts to find a tariff that fits your needs. Or call us directly 0800 072 572 587 00 (free of charge within Germany)

Get free consultation

Top services for trainees

Eine Gruppe junger Erwachsener sitzt mit offenen Fenstern im Auto und fährt gemeinsam weg.

Ideal preparation for your trip

SBK will cover 70% of the costs of the travel vaccinations recommended by the Standing Committee on Vaccination (STIKO). You can also use the vaccinations to get additional rewards through the SBK Bonus Scheme.

Zwei Frauen joggen gemeinsam und lachen dabei glücklich.

Extra services for your health

As of 2018, you can use your rewards for health services and products like a fitness tracker, for example, or the fees for the first aid class for your driving licence.

Zwei Studenten sitzen auf einer Treppe vor einem Gebäude und sehen sich etwas auf dem Handy an.

Manage things online with Meine SBK app

Whether you are at home or on the go, you can sort out lots of things easily through our online service. Such as changing your address, getting your a certificate of health insurance or upload your university registration certificate.

Safe with SBK – free contraception

We cover the costs of prescription contraceptives, such as the pill or coil, for girls and young women up to the age of 22. The costs are covered directly by us – upon presentation of the prescription.

Fitness Check

The Fitness Check will tell you how fit you are, and which is the best training level to suit you. You can have one of these sports medicine examinations once every 24 months, for which you can claim an allowance of €140 maximum.

SBK Online health classes

Our many different online health classes, available at home on your smartphone, tablet or laptop – such as stress management with 7Mind or certified online fitness classes – help you have fun as you stay fit and healthy. You can receive an allowance of 75% (up to a maximum of €80 per class) twice a year.

Travel protection

Get all-round protection when you travel – we’ll share the cost of your travel vaccinations. We think it’s important that you come back healthy from your travels. That’s why we cover 100% of the costs of recommended travel vaccinations and malaria prevention as an extra service.

The right amount for you: our contributions for trainees

As you start out in your career, you’ll get an extensive service package with everything you need. This package includes, among other things, an attractive bonus scheme, travel vaccinations and advice, sports medicine examinations and your SBK consultant who is always there for you. We are also available around the clock when you’re out and about – through your personal online self-service branch Meine SBK.

All of this is included in your tariff. Your contribution amount depends on your income. You basically only pay contributions for health insurance if your training salary exceeds €325.

The contribution rate for statutory health insurance is currently 14.6% and the additional contribution for SBK is 3.8% – making 18.4% altogether. Of that, your employer pays half.

Sample calculation

Assuming that your monthly income as a trainee is €600, your insurance contributions with SBK would be like the following:

Health insurance: €600.00 x 9.2% = €55.20
Nursing care insurance: €600.00 x 1.8% = €10.80
Total per month: €66.00

Your employer’s contribution is automatically deducted from your salary, so you can lean back and relax and don’t need to worry about anything else.

Yes, trainees are considered employees and must therefore get their own insurance. Your employer will cover half of the contributions for you. We’ll be happy to explain how you can get health insurance and help you with the first steps of getting your insurance.

In short, social security comprises five different areas. In addition to health insurance, there is also accident insurance, nursing care insurance, pension insurance and unemployment insurance. As a result, social security covers a lot of topics in the areas of workplace accidents, nursing care and unemployment.

As a trainee, you are especially vulnerable from a social security perspective and therefore are required to get social security cover – and this applies regardless of whether you receive a salary or not, by the way. In the case of trainees receiving a salary of €325 or less, the employer will cover the full costs of social security.

The statutory contribution rate is 14.6% and the additional contribution for SBK is 3.8% – making 18.4% altogether. As of 1 January 2019, the entire 16.3% is split between you and your employer, so each of you pays 9.2% of your gross salary.

Here’s a small sample calculation: if your income is €600 per month, with SBK you pay €48.90 as a contribution for your health insurance. The contribution is directly deducted from your employer, so you do not have to worry about anything. With a small contribution, you get all-round protection and can enjoy great services and benefits.

The statutory contribution rate is 14.6% and the additional contribution for SBK is 2.9% – making 17.5% altogether. The entire 17.5% is split between you and your employer, so each of you pays 8.75% of your gross salary.

Here’s a small sample calculation: if your income is €600 per month, with SBK you pay €48.90 as a contribution for your health insurance. The contribution is directly deducted from your employer, so you do not have to worry about anything. With a small contribution, you get all-round protection and can enjoy great services and benefits.