Siemens-Betriebskrankenkasse (SBK)
SBK — Siemens-Betriebskrankenkasse
Top-tier English support for international students — dedicated English website and hotline
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Dernière mise à jour: 16 avril 2026
Ce qui est couvert
Détails des prestations et de la couverture.
Inclus
Excellent English support — dedicated English website (sbk.org/sbk-en) with a student page and English-speaking hotline
Personal advisor assigned to every member for continuity of service
Strong digital services including the SBK Meine App and video consultations
Nationwide coverage with 1.1 million members across Germany
Straightforward online enrollment process for international students
Non couvert
Supplementary contribution of 3.80% — above the market average of around 2.9%
€150.65/month is about €9.49 more than TK (€141.16) for students under 23
Smaller branch network than AOK or TK
Bonus program cap of €150/year is lower than TK or DAK
FAQ
Questions fréquentes sur SBK — Siemens-Betriebskrankenkasse
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).
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