Your health insurer – your benefits

Personal advice makes the difference.

When it comes to your health, top-class advice is especially important, in addition to strong services. At SBK you always get this from your personal consultant – advice you can trust, that is personal and individual to you. Your personal consultant is on your side right from the start. They can answer all of your questions about your health cover, help you submit forms and applications, help you find recommended specialists and come up with an individual solution just for you from our services. That’s why our customer service always gets the highest ratings – from those who know it best: our customers.

The good news:

SBK starts with an additional contribution of 1.3% in 2022, keeping it at the same level for the sixth year in succession.

From 1 January 2021, it has also become even easier to switch to SBK. You can become an SBK member in just two steps and enjoy all of the benefits of membership. Find out more here.

Learn more about how SBK can help:


In safe hands right from the start: with individual advice, subsidised travel vaccinations, additional preventive care services and an attractive bonus scheme.


Summa cum laude for your health insurance: with individual advice including on semesters abroad, travel and your insurance during work placements and student jobs.


Always there when you need us: with personal advice, a Personal Specialist and Hospital Search, attractive subsidies, alternative medicine options and an extensive preventive care programme.


Put your entire family in safe hands: with strong services like extensive prenatal care, a paediatrician and specialist search, and personal advice and support for every member, young and old alike.

Selbstständiger Frau und Mann

Self-employed workers

For anyone with high standards and very little time: with individual advice 24/7 – in person, by telephone or online, assistance calculating your exact contribution and attractive rewards for your health.

General information about SBK and insurance cover

As a member of SBK, you have a personal consultant who is there for you with advice and assistance. You’re in safe hands no matter what question you may have about your insurance cover. You can make the right decisions quickly, as well as get individual solutions tailored to you from our extensive additional services and benefits.

Switching to SBK is super easy – it just takes three simple steps: complete a declaration of accession; terminate your old health insurance; send us your old health insurer’s confirmation of your termination – and then you’re a member of SBK. And if you want it to be even easier, just let our team of consultants take care of your switch. We’ll be happy to do it for you. Just call us on 0800 072 572 587 00 (free of charge within Germany). We look forward to welcoming you as a member!

There are lots of health insurers in Germany, and they offer a range of different services and benefits. That’s why the quality of your future healthcare partner, in addition to the strong services they offer, is a crucial consideration when choosing your cover. With SBK you have the support of your personal consultant who will come up with individual solutions for you based on our strong services – an extra benefit when it comes to the most important aspect of your well-being: your health.