Great insurance whatever the case

With individual support and excellent services.

At SBK you and your needs take priority – especially with your personal consultant who is on your side right from the start in all health-related matters. They will offer you advice and support in all matters pertaining to your health and your insurance cover: whether it concerns preventive care, applications for benefits and services, or the search for specialists and hospitals. Get advice in person, by telephone or by email. You can rely on us through every stage in your life and enjoy all-round protection.

The good news:

SBK starts with an additional contribution of 1.3% in 2021, keeping it at the same level for the fifth 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.

Additional attractive benefits for you

Strong services, fair contributions

SBK offers you individual solutions from our services, with a personal consultant who is there for you to address all your concerns, requests and questions. Especially in times when you need the peace of mind of knowing that someone is fighting for you and taking care of everything, from A to Z. Someone who understands you and your needs.

You also get special services, like the Personal Specialist and Hospital Search, when you are looking for a specialist near you. We’ll even arrange an appointment with a specialist for you directly, so you can get better faster. And all of that for fair, affordable contributions.

Contribution amount – depends on your income

The generally applicable rate for statutory health insurance is currently 14.6% and the additional contribution for SBK is 1.3% – making 15.9% altogether. Of that, your employer pays half.

You can use our contribution calculator to find out your contribution.

Important questions about insurance cover

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.

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!

In good time, before your switch to SBK, you will receive a membership certificate, which your employer needs within the termination notice period. We will be happy to inform your employer for you that you have switched health insurers. That’s all you need to do – we’ll take care of the rest.

Naturally, your loved ones too are in safe hands with SBK. Your family members are generally included in your insurance free of charge and with SBK family insurance they can enjoy the same high-quality insurance cover and the entire range of SBK services and benefits. And, as is standard with SBK: your personal consultant is there for both you and your entire family.