How do you earn points?
You earn points by taking part in health-related activities, such as:
Preventive check-ups (e.g., dental check-ups, general check-up)
Vaccinations
Certified health courses
Physical activity (for example via an app or a sports club)
Each activity gives a certain number of points (usually 100 to 150 points per activity) (aok.de, tk.de).
When can you convert points into cash?
With many health insurance funds, you typically have two options:
Direct cash payout (“cash bonus”)
A health credit (“health account”) you can later use to pay for services or health-related items
Examples:
With Barmer: 100 points = €10 paid out directly, often available after the first activity (barmer.de, bkkgs.de).
With AOK and others: you can often choose the reward type (cash or services) at the end of the year when you submit your request before the deadline.
When is the money paid out?
Many funds allow payout as soon as you reach initial points (e.g., the first 100 points).
Some require you to wait until the end of the year or to complete a minimum number of activities (e.g., 3–5 activities).
You must submit proof of activities on time, often by the end of March for the previous year.
Special offers that increase the value
Some funds increase the value if you choose health credit instead of cash:
DAK: may increase the value by +20% when used for health services (e.g., check-ups or sports equipment).
TK: points may be paid out as a “health dividend”, which can be higher than a simple cash bonus (tk.de).
Important tips
Check how long points remain valid; some expire at year-end or after one year without activity.
Keep track of deadlines for submitting documents (often 31 March) (kkh.de).
If you switch to another fund, confirm whether points can be transferred—or cash them out first.
Cash bonuses can be treated as income and may affect taxes, so keep proper documentation and reflect it in your tax filing if required.
Practical example
Using the Barmer app: log a health activity → receive 100 points → request €10 cash payout immediately.
With DAK: you collect 50 points for your child → choosing health credit can turn it into €60 (with a +20% boost) (barmer.de, dak.de).
Summary
Registration + health activities → points
Points can be redeemed as cash or health credit
Redemption may be immediate or year-end, depending on your fund
Always check your fund’s exact rules and benefits before you join
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The website’s writing and editorial team strives to provide accurate information through extensive research and reviewing multiple sources. However, mistakes may occur or some details may be unconfirmed. Please treat this content as an initial reference and always consult the responsible authorities for verified information.
