Bonus programs from health insurance companies: You get up to 500 euros back per year. If you do sports, don't smoke or keep your BMI within the normal range, you can get money paid out by your insurance company.

Anyone who has the preventive examinations carried out that are recommended for their own age and gender will receive the bonus. This includes dental care, visits to the gynecologist or other check-ups that become more frequent as you get older. To take part in a bonus program, you register online and upload the confirmed studies and measures you have taken. Bonus points are then credited to an account, which can be exchanged for cash.