SBK

SBK (Siemens-Betriebskrankenkasse) is a German statutory health insurance fund (gesetzliche Krankenkasse) with a long history of providing comprehensive healthcare coverage to members and their families. Originally established as the health insurance fund for Siemens employees, SBK now accepts members from across Germany regardless of employer.

For expats in Germany who are eligible for statutory health insurance — typically employees, students, and certain categories of residence — SBK offers competitive additional benefits beyond the statutory minimum. These include enhanced dental subsidies, preventive health programmes, mental health support, and a well-designed digital member portal and app.

SBK is known for high customer satisfaction ratings and a track record of going beyond the legal minimum in coverage — offering, for example, greater contributions to alternative medicine, professional teeth cleaning, and lifestyle health programmes. The additional contributions (Zusatzleistungen) are what differentiate statutory insurers, as the core coverage is standardised by law.

For expats deciding between statutory health insurers, SBK is consistently recommended by expat communities for its service quality, digital tools, and above-average benefit levels. English-speaking support is available, including video consultation.