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.

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 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.

More SBK services for employees

With SBK you will be well prepared when you go on holiday. Our experts in SBK Overseas Consulting will be happy to advise you before and during your travels on everything you need to know about your destination. We will also cover 70% of the costs of the travel vaccinations recommended by the Standing Committee on Vaccination (STIKO). And we’re there for you even when you’re travelling: you can access the SBK Health Helpline from abroad at any time – for peace of mind even when you’re away from home.

SBK rewards you for your healthy choices. For everything you do to promote your health, you get a bonus that you can redeem in exchange for attractive services. For example, you can use your collected bonus on invoices for fitness trackers (like the Apple Watch), for private sports examinations or for sports and fitness equipment (like a bicycle helmet).

With our online self-service branch Meine SBK, you can sort out lots of things concerning your health insurance digitally, saving you valuable time. In addition to flexible digital services, your personal consultant can provide you with personal advice on any question you may have. This includes, for example, helping you find the right specialist for your individual health needs, and also the SBK Appointments Service – which we use to arrange an appointment with a specialist for you directly.

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 0 725 725 700 7 (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.

When I injured my Achilles tendon during sport, I ended up in a hospital that was located far from my home. Just one call to my personal consultant Ms. Werner gave me the help that I needed. She sent me to a local specialist near my home and clarified everything concerning my transfer and stay at the hospital there. I was impressed! Ms. Werner was kind and was always quick to provide advice and help. To me, SBK is a ‘comprehensive worry-free package’.


Walter Frontzek Blaubeuren-Erstetten

"As a personal consultant, I think outside the box and never hold back any services with the idea of saving time or money. When I see a need, I offer the right support. In Mr Frontzek’s case, for example, I was able to help him find a more suitable specialist after he ruptured his Achilles tendon."

Karola Werner
Personal SBK consultant, Ulm

Persönliche Kundenberaterin Karola Werner