Your studies – your health insurer
Keeping your future in focus
Studying at university is a new phase in life, which along with new knowledge raises new considerations as well – such as how your health insurance is affected. What do you need to keep in mind if you plan on working while studying or want to do a semester abroad? SBK is on your side, so you can have peace of mind while you concentrate on what really counts. Your personal consultant is always available to help you, both online and offline, with useful tips and answers to any questions you may have, as well as access to excellent services and benefits relating to your health.
Our contribution for students
Studying at university raises new questions and challenges. That’s why we’ve created a service package specially tailored to students that combines personal advice, useful tips and excellent care. Your personal consultant is always on your side, so you can make well-informed decisions and enjoy the peace of mind of knowing you’re in safe hands.
There are alternatives to family insurance
Ideally you don’t even have to worry about health insurance until you reach the age of 25, as until then you are generally covered by your parents’ health insurance as a student at no extra cost. There are exceptions to that, though: you have a monthly income that exceeds €485, or €520 if you are employed and are a very low earner. You can get affordable health insurance through SBK as a student. You are eligible for student health insurance until the end of the semester in which you turn 30 years old.
You can find an overview here of the monthly contributions for health and nursing care insurance at SBK 2023:
Students under 23 and students with children: €119.94
Students 23 and older who do not have children: €122.78
Top services for students
Additional attractive benefits for you
Safe with SBK – free contraception
We cover the costs of prescription contraceptives, such as the pill or coil, for girls and young women up to the age of 22. The costs are covered directly by us – upon presentation of the prescription.
SBK Online health classes
Our many different online health classes, available at home on your smartphone, tablet or laptop – such as stress management with 7Mind or certified online fitness classes – help you have fun as you stay fit and healthy. You can receive an allowance of 75% (up to a maximum of €80 per class) twice a year.
SBK Fitness Check
The SBK Fitness Check will tell you how fit you are, and which is the best training level to suit you. You can have one of these sports medicine examinations once every 24 months, for which you can claim an allowance of €140 maximum.
SBK work placement tool
Are you a student with a part-time job? How does this affect your social security status? It’s nice to know what you have to keep in mind – individual, free of charge and certain. With the SBK Tool for Working Students, we have developed a smart solution for you. Simply enter your information and view your insurance results online. This will ensure you always stay on the safe side.
Travel protection
Get all-round protection when you travel – we’ll share the cost of your travel vaccinations. We think it’s important that you come back healthy from your travels. That’s why we cover 70% of the costs of recommended travel vaccinations and malaria prevention as an extra service.
Our contribution for students
Studying at university raises new questions and challenges. That’s why we’ve created a service package specially tailored to students that combines personal advice, useful tips and excellent care. Your personal consultant is always on your side, so you can make well-informed decisions and enjoy the peace of mind of knowing you’re in safe hands.
There are alternatives to family insurance
Ideally you don’t even have to worry about health insurance until you reach the age of 25, as until then you are generally covered by your parents’ health insurance as a student at no extra cost. There are exceptions to that, though: you have a monthly income that exceeds €485, or €520 if you are employed and are a very low earner. You can get affordable health insurance through SBK as a student up until the end of the semester in which you turn 30.
You can find an overview here of the monthly contributions for health and nursing care insurance at SBK 2023:
Students under 23 and students with children: €119.94
Students over 23 and without children: €122.78
The student contribution is based on the level of the student grant (BAföG). Since this is being increased in the winter semester 2022/2023 due to changes in legislation, the student contribution will also increase.
Whether there are more deductions – such as pension or unemployment insurance – due to a student job, traineeship or work placement can be determined quickly and easily using our special free online service, the
SBK Tool for Working Students.
Go to the SBK Tool for Working Students
Are you working as a freelancer at the same time as studying? If so, you can use our SBK freelancer tool to see whether there may be any changes to your health insurance status due to varying hours and income and other student jobs. Just click here:
Go to the SBK freelancer tool