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Become a member Contribution rate Free family insurance Registration for Meine SBK SBK bonus program
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 Menu Become a member Advice & Services Insurance & Tariffs Meine SBK Contact Become a member Become an SBK member in one step Expats Employees Families Trainees Students Self-employed persons Recommending SBK Awards Health Care in Germany About us Advice & Services Alternative Medicine Family & Pregnancy Dental Health Digital Services Foreign consulting Personal Advice Precaution & Prevention Recovery Insurance & Tariffs Contribution Family insurance Nursing care insurance SBK healthcare card Meine SBK Login Online Service Overview Membership Certificates FAQ Become an SBK member in one step Declaration of accession Call-back service prospective clients Contact form prospective clients About us Responsibility and Sustainability Alternative Medicine Acupuncture Homeopathy Osteopathy Family & Pregnancy Pregnancy Health checks for children and young people Vaccinations for children Family rehabilitation Child sickness benefits Dental Health Dental check-ups for adults Dental treatment Dental treatments and fillings Dentures DentNet Digital Services Online Skin Check Incapacity to work (eAU) Electronic prescription SBK electronic patient record (ePA) Foreign consulting SBK Overseas Consulting European Health Insurance Card and overseas health insurance certificate Protective travel vaccinations Foreign travel insurance Personal Advice SBK Appointments Service SBK Health Telephone SBK Health Telephone for Families Workplace accident Advice on making payments to SBK Precaution & Prevention Early detection of disease Vaccinations Preventative services SBK Bonus Scheme Recovery Treatment in surgeries and clinics Psychotherapy Medication and medical aids Rehab and remedies Co-payments and reimbursement Support services Contribution Contribution rate Employees Trainees and school pupils Students Self-employed workers Voluntary insurance Pensioners SBK healthcare card PIN and PUK for the SBK healthcare card Questions about the SBK healthcare card Questions about the photo on the SBK healthcare card sbk.org Arbeitgeberservice Leistungserbringende Karriere Unternehmen Presse & Politik DeutschBecome a memberLogin Meine SBKBecome a member
English Insurance & Tariffs Contribution Contribution rate

Contribution rate

You can count on fair contributions with SBK

Our contribution rate is 18.4%. This includes the additional contribution of 3.8%. With us, you receive individual advice and we provide high-quality medical care - because quality is particularly important to us.

The amount of your health insurance contributions depends on your income. If your income reduces, so do your contributions. If it increases, so do your contributions – up to the maximum limit (the contribution assessment ceiling). Whether you are an employee, self-employed worker, trainee, student or family member, find out more about your individual insurance cover and your contributions here:

Find out more about your individual insurance cover and your contributions:

All the information you need concerning your health insurance contribution

With SBK you can insure your family contribution-free

Contribution information for trainees and school pupils

All the information you need concerning insurance and contributions

All you need to know about health insurance for self-employed workers

Information about contributions for voluntary health insurance

All of the information you need concerning your contribution when you retire

If you receive unemployment benefits (ALG I or ALG II), you do not pay any contributions for health insurance

Contribution assessment ceilings for 2025

Insurance branchMonthlyAnnually
Health and nursing care insurance€5,512.50€66,150 
Pension and unemployment insurance€8,050 €96,600 

Reduction of tax liability through health insurance contributions: the Citizens Relief Act (Bürgerentlastungsgesetz)

Reduction of tax liability through health insurance contributions: The Citizens Relief Act (Bürgerentlastungsgesetz)

With the introduction of the Citizens Relief Act, you can fully offset expenses for statutory health insurance and social nursing care insurance as a separate expense from your taxes. Learn more about this on the health insurance and tax returns page.

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