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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.


Additional attractive benefits for you

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 1.7% – making 16.3% altogether. As of 1 January 2019, the entire 16.3% is split between you and your employer, so each of you pays 8.15% 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