保险对比 2026
mhplus BKK 学生医疗保险vs.SBK
独立的保障、费用和覆盖详情对比。
✓ 基于官方保单文件✓ 更新于 2026年4月✓ 独立对比
| 功能 | 学生友好mhplus BKK 学生医疗保险查看详情 | 高级英文支持SBK — 西门子职工医疗保险 (高级英文支持)查看详情 |
|---|---|---|
| 费用与保费 | ||
| 每月总保费（23岁以下） | €151.16 | €150.65更优 |
| 每月总保费（23岁以上无子女） | €156.29 | €155.78更优 |
| Zusatzbeitrag附加费率Additional contribution rate set by each insurer | 3.86% | 3.80% |
| 保障与待遇 | ||
| 心理健康/心理治疗 | Full coverage — psychotherapy, psychiatry, inpatient treatment | Full coverage — psychotherapy, psychiatry, inpatient treatment |
| 牙科奖励制度 | Up to 75% after 10 years of regular checkups | Up to 75% after 10 years of regular checkups |
| 健康奖励计划 | ||
| 奖励金额 | Up to €150/year cash for preventive behavior | Up to €150/year cash for preventive and healthy behavior |
| 服务与数字化 | ||
| 英语客服支持 | Limited — primarily German | Excellent — dedicated English hotline, English website (sbk.org/sbk-en) and student page |
| 数字化服务 | 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 |
| 参保人数 | 488,000 | 1.1 million |
| 访问mhplus BKK 学生医疗保险 → | 访问SBK — 西门子职工医疗保险 (高级英文支持) → | |
费用与保费
每月总保费（23岁以下）
€151.16
€150.65更优
每月总保费（23岁以上无子女）
€156.29
€155.78更优
Zusatzbeitrag附加费率
Additional contribution rate set by each insurer
3.86%
3.80%
保障与待遇
心理健康/心理治疗
Full coverage — psychotherapy, psychiatry, inpatient treatment
Full coverage — psychotherapy, psychiatry, inpatient treatment
牙科奖励制度
Up to 75% after 10 years of regular checkups
Up to 75% after 10 years of regular checkups
健康奖励计划
奖励金额
Up to €150/year cash for preventive behavior
Up to €150/year cash for preventive and healthy behavior
服务与数字化
英语客服支持
Limited — primarily German
Excellent — dedicated English hotline, English website (sbk.org/sbk-en) and student page
数字化服务
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
参保人数
488,000
1.1 million
常见问题
常见问题
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).
找到最佳计划了吗？
比较更多计划或直接申请——几分钟内获得保障。