mhplus BKK vs. SBK

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 every public insurer offers — 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 a personal advisor for each member and English-language support. If English support is your priority, the difference may be 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).