Insurance Comparison 2026
mhplus BKKvs.SBK
An independent side-by-side comparison covering benefits, costs, and coverage details.
✓ Based on official policy documents✓ Updated April 2026✓ Independent comparison
| Feature | Student-Friendlymhplus BKKView Details | Premium EN SupportSBK — Siemens-BetriebskrankenkasseView Details |
|---|---|---|
| Cost & Contributions | ||
| Total monthly (under 23) | €151.16 | €150.65Better |
| Total monthly (23+ childless) | €156.29 | €155.78Better |
| Zusatzbeitrag rateAdditional contribution rate set by each insurer | 3.86% | 3.80% |
| Coverage & Benefits | ||
| Mental health / psychotherapy | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient treatment |
| Dental bonus system | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| Bonus programs | ||
| Bonus amount | Up to €150/year cash for preventive behavior | Up to €150/year cash for preventive and healthy behavior |
| Service & Digital | ||
| English support | Limited — primarily German | Excellent — dedicated English hotline, English website (sbk.org/sbk-en) and student page |
| Digital services | mhplus AppePA (electronic patient record)Online member portalDigital health coursesOnline document upload | SBK Meine AppePA (electronic patient record)Online video consultationsDigital health coursesOnline member service |
| Members | 488,000 | 1.1 million |
| Visit provider → | Visit provider → | |
Cost & Contributions
Total monthly (under 23)
€151.16
€150.65Better
Total monthly (23+ childless)
€156.29
€155.78Better
Zusatzbeitrag rate
Additional contribution rate set by each insurer
3.86%
3.80%
Coverage & Benefits
Mental health / psychotherapy
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient treatment
Dental bonus system
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
Bonus programs
Bonus amount
Up to €150/year cash for preventive behavior
Up to €150/year cash for preventive and healthy behavior
Service & Digital
English support
Limited — primarily German
Excellent — dedicated English hotline, English website (sbk.org/sbk-en) and student page
Digital services
mhplus AppePA (electronic patient record)Online member portalDigital health coursesOnline document upload
SBK Meine AppePA (electronic patient record)Online video consultationsDigital health coursesOnline member service
Members
488,000
1.1 million
FAQ
Frequently Asked Questions
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).
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