Because healthcare is all about trust

With us your family is in the safest hands.

Regardless of whether you are just starting to plan for a family or you already have children, with SBK the individual needs and requirements of your family are our focus right from the beginning. Whether it’s pregnancy support, children’s medicine or general healthcare and support. Always on your side: your personal consultant is ready to help you in every single matter – so you and your family can feel comfortable and safe, from the youngest to the oldest member.


Important questions about insurance cover for families

Children are generally insured free of charge: this is true for statutory family insurance in many cases. Basically parents can decide for themselves whether their offspring are covered by family insurance under the father or the mother. It therefore does not matter whether the parents are married. There are exceptions whereby children cannot be insured free of charge. We’ll be happy to advise you on this matter.

Medical examinations after the birth of the baby are generally covered by the mother’s health insurance. We are very pleased that your family has grown and wish to welcome your little one to our large SBK family. Inclusion in family insurance is very easy: once you have received the birth certificate, simply contact your personal consultant and we will take care of the rest for you and your baby.

Yes, you can switch even when you are pregnant – it’s very easy once the usual 18-month period of commitment for your old health insurer has elapsed. And the notice period is also just a short wait. It is just two months starting at the end of the month.

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 0 725 725 700 7 (free of charge within Germany). We look forward to welcoming you as a member!

From your personal consultant. They can provide competent and personal advice on all of these important matters. We are also happy to help you directly with any other questions related to your family. With SBK you get individual answers to your questions for you and your family.

There are clear advantages to covering your entire family with one health insurer. For example, the entire family has one shared personal consultant who takes care of everything for everyone. They know you and your family and what’s important and relevant to you. This saves you valuable time, which you can use for yourself and your family.

More SBK services for families

Find the right specialist for you and your child with our exclusive service. Just one call to your personal consultant is all it takes. Your personal consultant will also be happy to arrange an appointment directly with a relevant specialist near you. This saves your time and gives you the peace of mind of knowing you are in the right hands when choosing a specialist.

You can use the SBK Osteopath Search online to find a qualified osteopath near you quickly and easily and get help from SBK in covering the costs. You can also get homeopathy as an SBK service through participating practitioners.

With the SBK Bonus Scheme, your healthy choices also pay off in the field of alternative medicine. From private invoices for acupuncture to Hufeland therapy services: as of 2018, you can use your rewards from the SBK Bonus Scheme for additional services in alternative medicine as well.

With Meine SBK (the online self-service branch), you can sort out lots of things concerning your health insurance online – it’s very convenient. For example, you can complete the annual family insurance form easily online and send it to us directly. Save valuable time and have the peace of mind of knowing that your family will continue to be fully covered.

One contribution, all the services and benefits – for the whole family

With SBK family insurance, your family members are covered when it comes to health and nursing care insurance at no extra cost. And just like you, they enjoy all the benefits of SBK. This is generally true for all family members with a regular monthly income not exceeding €445, or €450 if they are very low earners.

So you can make sure that your loved ones are well cared for with just one contribution. Thanks to strong services for healthcare, alternative medicine, overseas stays, vaccinations and much more.

The generally applicable contribution rate for statutory health insurance is currently 14.6%, which is split equally between the employer and the employee. The additional contribution for SBK is currently 1.3% and half of this will also be covered by the employer as of 1 January 2019.

You can find an overview of our SBK offer for employees here.

My daughter needed a tuberculosis test for a trip to the USA. Our personal consultant, Ms Strobl, did all the research and arranged a specialist for us. Another time, when I got the flu, Ms Strobl provided fast, easy support. I think it’s great that I can speak with my personal consultant rather than ending up talking to some call centre.


Angela Görtler Baiersdorf

"I want to go the extra mile to help my customers, even when it comes to things that go beyond the every day. Even if we can’t always cover the costs, I still want to support my customers with my knowledge. My customers get all information from me as a single port of call – and that alone is often already a massive help."

Melanie Strobl
Personal SBK consultant, Erlangen