Comparaison d'assurances 2026
mhplus BKKvs.SBK
Une comparaison indépendante des prestations, coûts et détails de couverture.
✓ Basé sur les documents officiels✓ Mis à jour avril 2026✓ Comparaison indépendante
| Caractéristique | Student-Friendlymhplus BKKVoir détails | Premium EN SupportSBK — Siemens-BetriebskrankenkasseVoir détails |
|---|---|---|
| Coûts & cotisations | ||
| Total mensuel (moins de 23 ans) | €151.16 | €150.65Meilleur |
| Total mensuel (23+ sans enfant) | €156.29 | €155.78Meilleur |
| Taux du ZusatzbeitragAdditional contribution rate set by each insurer | 3.86% | 3.80% |
| Couverture & prestations | ||
| Santé mentale / psychothérapie | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient treatment |
| Système de bonus dentaire | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| Programmes de bonus | ||
| Montant du bonus | Up to €150/year cash for preventive behavior | Up to €150/year cash for preventive and healthy behavior |
| Services & numérique | ||
| Assistance en anglais | Limited — primarily German | Excellent — dedicated English hotline, English website (sbk.org/sbk-en) and student page |
| Services numériques | mhplus App · ePA (electronic patient record) · Online member portal · Digital health courses · Online document upload | SBK Meine App · ePA (electronic patient record) · Online video consultations · Digital health courses · Online member service |
| Membres | 488,000 | 1.1 million |
| Visitermhplus BKK → | VisiterSBK — Siemens-Betriebskrankenkasse → | |
Coûts & cotisations
Total mensuel (moins de 23 ans)
€151.16
€150.65Meilleur
Total mensuel (23+ sans enfant)
€156.29
€155.78Meilleur
Taux du Zusatzbeitrag
Additional contribution rate set by each insurer
3.86%
3.80%
Couverture & prestations
Santé mentale / psychothérapie
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient treatment
Système de bonus dentaire
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
Programmes de bonus
Montant du bonus
Up to €150/year cash for preventive behavior
Up to €150/year cash for preventive and healthy behavior
Services & numérique
Assistance en anglais
Limited — primarily German
Excellent — dedicated English hotline, English website (sbk.org/sbk-en) and student page
Services numériques
mhplus App · ePA (electronic patient record) · Online member portal · Digital health courses · Online document upload
SBK Meine App · ePA (electronic patient record) · Online video consultations · Digital health courses · Online member service
Membres
488,000
1.1 million
FAQ
Questions fréquemment posées
mhplus BKK costs €151.16/month for students under 23 (or with children) and €156.29/month for students aged 23+ without children. Breakdown: €87.38 base health insurance + €33.00 supplementary contribution (3.86%) + €30.78 long-term care insurance (or €35.91 if childless and 23+).
mhplus has a dedicated student membership page with tailored content, and the process is largely online. They also include professional dental cleaning subsidies — a perk not offered by most public insurers — plus a bonus program worth up to €150/year for preventive care.
mhplus is primarily a German-language insurer. Some online materials may be available in English, but there is no dedicated English hotline. International students who do not speak German are generally better served by TK, BARMER, or SBK.
Yes, if you are under 30 and enrolled in a degree program at a German university. Sign up online within 3 months of university enrollment. Language course and Studienkolleg students are not eligible for GKV and need private student insurance instead.
SBK costs €150.65/month for students under 23 (or with children) and €155.78/month for students aged 23+ without children. Breakdown: €87.38 base health insurance + €32.49 supplementary contribution (3.80%) + €30.78 long-term care insurance (or €35.91 if childless and 23+).
Yes — SBK has one of the strongest English offers among German public insurers. They operate a dedicated English website (sbk.org/sbk-en) with a student-specific page, plus an English-speaking hotline for international members. This makes SBK a strong choice for students who struggle with German.
SBK's supplementary contribution is 3.80% vs. TK's 2.69%, making SBK about €9.49/month more for students under 23. The extra cost buys premium service: a dedicated personal advisor per member and top-tier English support. If English support is your priority, the difference is often worth it.
Yes, if you are under 30 and enrolled in a degree program at a German university. You must sign up within the first 3 months of enrollment. Language course and Studienkolleg students are generally not eligible for public health insurance (GKV).
Vous avez trouvé le meilleur plan ?
Comparez d'autres formules ou souscrivez directement — couvert en quelques minutes.