Today
Many extra services are paid directly out of pocket as soon as statutory cover does not step in.
Your €3,000 Health Budget. Effectively from €0.
Why pay yourself when there's a better way? Up to €3,000 for alternative medicine, glasses & preventive care, effectively from €0. No waiting periods.
From €0 effectively per month thanks to IKK bonus
Guaranteed no waiting period
Stiftung Warentest: Very Good (0.9)
Up to €3,000 health budget
SDK, on the market since 1926
IKK classic, 3 million members
Heilpraktiker 100% covered
No waiting period, instant coverage
Get your quote in a few minutes
Effectively from €0 thanks to IKK bonus
Acupuncture included
Osteopathy & massages included
See how it works in the video
Our partners: SDK Süddeutsche Krankenversicherung & IKK classic
In cooperation with
The IKK classic bonus programme is a central building block of your Healio health budget.
More IKK classic awards
The key cost question
Pay out of pocket or solve it smarter?
If you already use alternative medicine, glasses or preventive care, the real question is: why carry those bills alone? With the outpatient plan, you build up to 3,000 EUR in health budget; the IKK classic bonus can offset your premium in the best case.
Today
Many extra services are paid directly out of pocket as soon as statutory cover does not step in.
With budget
Insured benefits are reimbursed up to the budgets instead of becoming private bills every time.
With bonus leverage
The IKK classic bonus can recover the premium fully or partially depending on the bonus amount.
With budget
Insured benefits are reimbursed up to the budgets instead of becoming private bills every time.
With bonus leverage
The IKK classic bonus can recover the premium fully or partially depending on the bonus amount.
You are not simply adding something extra. You turn typical out-of-pocket bills into a usable health budget.
Four tiers, one principle: you choose your budget
The higher the reimbursement rate, the bigger your health budget. All tiers start without waiting periods.
Ambulant 50
- Reimbursement rate
- 50 %
- Health budget over 2 years
- up to €1,400
- Monthly premium
- Depends on age, exact quote in 2 minutes in the SDK calculator
No waiting period
Ambulant 70
- Reimbursement rate
- 70 %
- Health budget over 2 years
- up to €2,000
- Monthly premium
- Depends on age, exact quote in 2 minutes in the SDK calculator
No waiting period
Ambulant 90
- Reimbursement rate
- 90 %
- Health budget over 2 years
- up to €2,600
- Monthly premium
- Depends on age, exact quote in 2 minutes in the SDK calculator
No waiting period
Most popular
Ambulant 100
- Reimbursement rate
- 100 %
- Health budget over 2 years
- up to €3,000
- Monthly premium
- €31.64 for adults (age 30)Children: €20.76
No waiting period
Get quote – German form
All premiums depend on age. Example premiums shown for the Ambulant 100 tariff, as of 2026. Budgets apply per 2-year period according to the SDK tariff terms; the SDK application route shows your exact premium before you sign up.
Your Personal Bonus Calculator
This is how the IKK classic bonus works: Select your activities and see instantly how much you can get back!
Select your activities:
A typical example is already selected. Simply adjust it to your own activities.
Vaccination
Up to 8x per year
0max. 8
+0€
Dental checkup
Up to 2x per year
2max. 2
2× 15€+30€
Dental screening Z1–Z6
For children
+15€
Skin cancer screening
1x per calendar year
+30€
Ultrasound screening
Abdominal aortic aneurysm
+30€
Mammography screening
1x per calendar year
+30€
Maternity checkup
1x per calendar year
+30€
Child checkups (U1–U11)
€30 per checkup
0max. 11
+0€
Youth checkups J1–J2
€30 per checkup
0max. 2
+0€
Amblyopia screening (children)
Early detection exam
+30€
Lung cancer screening
New from 04/2026 · 1× per year
+30€
Health check-up
1x per calendar year
+30€
Cancer screening
1x per calendar year
+30€
Colon cancer screening
1x per calendar year
+30€
Outdoor group sports
With qualified instructor
+75€
Postnatal exercise
For women
+75€
IKK health courseTip
1x per year
+75€
Fitness or sports studioTip
Quality-certified studio
+75€
Sports club / company sports
Club or university sports
+75€
German sports badge
1x per calendar year
+75€
Sports federation badge
German sports federation
+75€
BMI in normal range
Status value, combine with activity
+75€
Normal blood pressure
Status value, combine with activity
+75€
🤝
Simple & trust-based
IKK classic trusts its members. Proof is only requested in rare individual cases and on a spot-check basis. You don't need to meticulously document every activity, just report it and collect your bonus.
⌚
Bonus for Apple Watch & fitness devices
You can also use your IKK bonus towards an Apple Watch, fitness tracker, or other fitness devices. Simply submit it through the bonus program and collect the subsidy.
Your potential bonus:
390€
Plan Ambulant 100 (AP1), 100% reimbursement
Your monthly premium:
= Annual premium:380 €
Your bonus:390 €
Result:+10 € Plus
Click on the premium to enter your individual amount (incl. risk surcharge).
Your bottom line
Your effective yearly cost0 €
Your bonus covers the entire yearly premium.
Your health budget in return (2 years)up to €3,000
Example calculation based on your inputs and the Ambulant 100 tariff. Your actual bonus depends on your health insurer and the activities you complete.
Your bonus is paid out or used as a subsidy for paid supplementary insurance premiums. This can make your health budget of up to €3,000 over 2 years effectively much cheaper.
Example: Ms. Müller, age 30, statutorily insured
SDK Ambulant 100 (Plan AP1), 100% reimbursement:€31.64/month = €380/year
IKK classic bonus per year:
Flu vaccination15 €
Dental checkup (2x)30 €
Health check-up30 €
Cancer screening30 €
Gym membership75 €
BMI in normal range75 €
Normal blood pressure75 €
Skin cancer screening30 €
IKK health course75 €
= Total bonus:€435/year
Result:€435 bonus fully covers the €380 annual premium
Effectively €0 per month.
Ms. Müller effectively pays €0 per month, her bonus covers the entire annual premium. In return she has a €3,000 budget with 100% reimbursement for naturopaths, glasses, preventive care and more. With additional activities (e.g. sports club, sports badge) the bonus can grow even further.
What You Get with Healio
Click on a category for all individual benefits
3,000 EURhealth budget over 2 years
Ready? Your premium takes two minutes to calculate.
Calculate premium and start applicationHealio: The Concept That Pays for Itself
Switching health insurance made easy
You stay publicly insured and use the better bonus
You are not leaving the statutory system. You are only switching to the fund whose bonus better supports the supplementary cover you want.
TeleClinic
24/7 Online DoctorReach doctors from 60+ specialties around the clock via the app, by video, no waiting room.
Available 24/7
Doctor consultation within 30 minutes, even at night and on weekends
60+ specialties
From general medicine to dermatology, almost every concern is covered
Skin Checker
Photo diagnosis for skin changes within 24 hours
E-prescription & sick note
Electronic prescriptions and sick notes directly to your phone
Premium status
As an IKK member, you enjoy priority treatment in the app
Free for IKK members
Simply download the TeleClinic app and register with your IKK insurance number
BetterDoc
Specialist search & second opinionNeed a specialist or unsure about a surgery? BetterDoc finds the best doctor for your case.
Independent doctor search
BetterDoc researches the optimally qualified specialist for your diagnosis
Second opinion before surgery
Especially for back, knee, and hip, 85% of back surgeries could be avoided
Quality-assured
Doctors are selected based on medical data and experience values
Appointment service
BetterDoc can arrange the appointment with the specialist for you
Free & non-binding
Hotline: 0800 444 6 999 (Mon–Fri, 9am–5pm)
Everything included, no extra cost
TeleClinic and BetterDoc are an integral part of your IKK classic membership. No surcharge, no waiting, just use them.
10 %
for environmental organizations
Healio donates 10% of its revenue to environmental organizations. Not because we have to, but because we believe: those who promote health must also protect the environment.
Nature conservation
Supporting projects to preserve natural habitats
Clean water
Promoting initiatives for clean waters and drinking water
Healthy future
Investing in a world where health and nature belong together
Donations go directly to selected, certified environmental organizations. Healio acts out of its own conviction, no extra cost for you.
How the health budget adds up
Six example scenarios of how plan benefits and IKK bonuses can be combined. Model calculations based on the plan conditions, not customer reviews.
SDK
On the market since 1926
IKK
3 million insured
3,000 €
budget over 2 years
from 0 €
effective costs possible
Osteopathyup to 1,000 € / 2 years
Example: osteopathy series
Paying 80 euros per session yourself adds up quickly. In the Ambulant 100 plan, naturopathic treatments by non-medical practitioners and doctors are reimbursed with up to 1,000 euros over two years. IKK bonuses for check-ups and sports come on top.
FamilyBudgets per person
Example: family
Glasses for the child, osteopathy after pregnancy, dental cleaning via the IKK health account and the sports club bonus: every insured family member has their own budgets, and IKK bonuses apply per person.
StudentGlasses + sports bonus
Example: student life
Glasses are subsidised with up to 500 euros every two years in the Ambulant 100 plan. On top come IKK bonuses, for example 75 euros for university sports or a sports club and 15 euros per vaccination. The plan costs 31.64 euros per month at age 30.
TherapyCompleting therapy
Example: treatment series
Many patients break off treatment series because the money runs out. With the budget for naturopathic treatments, longer series can be planned without therapy failing for financial reasons. That is exactly what the health budget is for.
Glassesup to 500 € / 2 years
Example: varifocal glasses
For varifocal glasses costing 680 euros, the Ambulant 100 plan covers up to 500 euros. Professional dental cleaning can additionally be subsidised via the IKK health account.
Young parentsNewborn cover
Example: young family
Newborns can be added within two months without a health assessment. Midwife on-call service, minerals during pregnancy and postnatal courses are subsidised via IKK bonuses.
Frequently Asked Questions
Everything you need to know about the Healio health budget, SDK supplementary insurance and the IKK classic bonus program.
Costs & Financing
Benefits & Reimbursement
Process & Insurance Fund Switch
Trust & Security
Ready? Your premium takes two minutes to calculate.
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Start now and discover your health budget
No hidden costs
Personal advice
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