Siemens-Betriebskrankenkasse (SBK)
SBK — Siemens-Betriebskrankenkasse (Premium İngilizce Destek)
Uluslararası öğrenciler için üst düzey İngilizce destek — özel İngilizce web sitesi ve telefon hattı
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Son güncelleme: April 16, 2026
Neler Kapsanıyor
Avantajlar ve kapsam detayları.
Dahil
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
Kapsam Dışı
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
Diğer GKV sağlayıcıları
AOK Sağlık SigortasıAudi BKK Kamu Sağlık SigortasıBahn-BKK Zorunlu Sağlık SigortasıBARMER — Sağlık SigortasıBIG direkt gesund — Öğrenciler İçin Dijital Sağlık SigortasıDAK-Gesundheit Ulusal Sağlık SigortasıHEK — Hansa Sağlık Sigortasıhkk Krankenkasse Öğrenci Sağlık SigortasıIKK classic Temel SigortaKKH — İngilizce İçerikli Öğrenci Sigortasımhplus BKK — Öğrenci Sağlık Sigortasımkk — benim sağlık sigortamMobil Krankenkasse — Kamu Sağlık SigortasıTechniker Krankenkasse (TK) — Öğrenci Sağlık Sigortası
SSS
SBK — Siemens-Betriebskrankenkasse (Premium İngilizce Destek) hakkında sık sorulan sorular
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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SBK — Siemens-Betriebskrankenkasse (Premium İngilizce Destek) için güncel koşulları ve fiyatları sağlayıcının resmi web sitesinde kontrol edin.