Your training – your health insurer
So you can concentrate on what’s important.
Starting your career is an exciting time. There’s lots of new things to learn and discover – and also a few things to keep in mind, starting with choosing the right health insurer. SBK is on your side right from the start and makes it easy for you to concentrate fully on the new phase in your life. Thanks to your personal consultant who is always available to offer you useful tips and answer any questions you may have. And thanks to excellent care, whenever you need it. So you can enjoy the peace of mind of knowing that you’re always in safe hands.
The right amount for you: our contributions for trainees
As you start out in your career, you’ll get an extensive service package with everything you need. This package includes, among other things, an attractive bonus scheme, travel vaccinations and advice, sports medicine examinations and your personal consultant who is always there for you. We are also available around the clock when you’re out and about – through your personal online self-service branch Meine SBK.
All of this is included in your tariff. Your contribution amount depends on your income. You basically only pay contributions for health insurance if your training salary exceeds €325.
The contribution rate for statutory health insurance is currently 14.6% and the additional contribution for SBK is 1.3% – making 15.9% altogether. As of 1 January 2019, the entire 15.9% is split between you and your employer, so each of you pays 7.95% of your gross salary.
Your employer’s contribution is automatically deducted from your salary, so you can lean back and relax and don’t need to worry about anything else.
Frequently asked questions about insurance cover for trainees
Yes, trainees are considered employees and must therefore get their own insurance. Your employer will cover half of the contributions for you. We’ll be happy to explain how you can get health insurance and help you with the first steps of getting your insurance.
In short, social security comprises five different areas. In addition to health insurance, there is also accident insurance, nursing care insurance, pension insurance and unemployment insurance. As a result, social security covers a lot of topics in the areas of workplace accidents, nursing care and unemployment.
As a trainee, you are especially vulnerable from a social security perspective and therefore are required to get social security cover – and this applies regardless of whether you receive a salary or not, by the way. In the case of trainees receiving a salary of €325 or less, the employer will cover the full costs of social security.
The statutory contribution rate is 14.6% and the additional contribution for SBK is 1.3% – making 15.9% altogether. As of 1 January 2019, the entire 15.9% is split between you and your employer, so each of you pays 7.95% of your gross salary.
Here’s a small sample calculation: if your income is €600 per month, with SBK you pay €47.70 as a contribution for your health insurance. The contribution is directly deducted from your employer, so you do not have to worry about anything. With a small contribution, you get all-round protection and can enjoy great services and benefits.
With SBK, I have a personal consultant right here where I’m doing my training. Making the switch to SBK at the start of my training was really easy: SBK took care of everything. I think the Bonus Scheme is especially good. I do a lot of sport, and I get a bonus payout at the end of the year as a reward. With SBK, doing something for your health pays off!