BKK Mobil Oil

What BKK Mobil Oil does

Mobil Krankenkasse, formerly BKK Mobil Oil, is a German statutory health insurance fund (gesetzliche Krankenkasse) headquartered in Hamburg and operating nationwide since 1952. It provides mandatory health insurance coverage to working individuals, freelancers under certain conditions, and their dependent family members in Germany, collecting membership contributions via payroll deduction at a regulated percentage of gross income. The fund has between 1,001 and 5,000 employees and serves members through a multi-channel service infrastructure.

The company's core product surface is a digital member services platform anchored by the Online-Service-Portal (OSP), accessed via the MOBIL ME mobile application (available on iOS and Android) which serves as the authentication mechanism. Digital health products integrated into the platform include the electronic patient record (elektronische Patientenakte), the electronic prescription (e-Rezept), the electronic health card, and the Teleclinic telemedicine service providing 24/7 doctor consultations. Value-added modules include the fitforcash bonus program (up to €300 annually), Mein Extra Gesundheitsgeld reimbursements (up to €200), and a dental deductible tariff. Sub-brand portals target specific demographics: Familienwelt for families, Mobil YOU for youth mental health, and TrainingsZone for fitness.

The revenue model is subscription-recurring, derived from statutory membership premiums; as a public-law entity under German healthcare regulation, the fund is self-governing rather than equity-owned. Go-to-market is direct-to-consumer with digital-first acquisition via the website, social media (Facebook, YouTube, Instagram, TikTok), the Mobil-e newsletter, and a member referral program offering €30 per recruited member. The fund does not disclose revenue figures, and its distribution footprint is domestic-only.

Name

BKK Mobil Oil

Legal name

Mobil Krankenkasse

Website

https://bkk-mobil-oil.de

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Mobil Krankenkasse is a German statutory health insurance fund serving members nationwide with a digital-first services platform combining online portal access, electronic health records, e-prescriptions, 24/7 telemedicine, and supplemental wellness programs for individuals and families.

Ownership category

akta.pro rank

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Health Insurance Premiums: As a statutory health insurance provider (gesetzliche Krankenversicherung) in Germany, Mobil Krankenkasse generates revenue through membership premiums based on a percentage of members' gross income, collected via payroll deduction as mandated by German law.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Mobil Krankenkasse (formerly BKK Mobil Oil) is a German statutory health insurance fund that provides legally mandated health coverage to members across Germany. Members access services through the Online-Service-Portal paired with the MOBIL ME authentication app, alongside telemedicine via Teleclinic, bonus and reimbursement programs (fitforcash, Mein Extra Gesundheitsgeld), and digital health tools such as the electronic patient record, e-prescription, and electronic health card.

Product overview

Mobil Krankenkasse is a German statutory health insurance provider offering a unified member services platform. The core product portfolio centers on the Online-Service-Portal (OSP) paired with the Service-App MOBIL ME for mobile access, enabling members to handle applications, view certificates, and manage insurance matters digitally. Value-added modules include the Bonusprogramm fitforcash (rewards up to 300 EUR), Mein Extra Gesundheitsgeld (up to 200 EUR back on health services), and dental deductible options. Digital health products include the Elektronische Patientenakte (electronic health record), Elektronisches Rezept (e-prescription), and Elektronische Gesundheitskarte (digital insurance card). The company also operates specialized sub-brands for different demographics: Familienwelt for families, Mobil YOU for youth mental health, and TrainingsZone for fitness. The Online-Sprechstunde (Teleclinic) provides 24/7 telemedicine consultations.

Differentiator

Problem solved

Functional benefit

Products and services

• Online-Service-Portal (OSP) Web-based self-service portal for insured members to file applications, request certificates, and manage statutory health insurance matters completely online. Access is gated by the MOBIL ME app for secure login. Targeted at German statutory health insurance members.
• MOBIL ME Service App Mobile application on iOS and Android that authenticates member access to the Online-Service-Portal and provides on-the-go access to insurance services for Mobil Krankenkasse members.
• Electronic Patient Record (Elektronische Patientenakte) Digital storage and management system for members' medical documents and patient records, integrated into Mobil Krankenkasse's member services.
• Electronic Prescription (e-Rezept) Digital prescription service replacing paper prescriptions for members' medications and medical treatments, integrated with Mobil Krankenkasse's digital services.
• Electronic Health Card (Elektronische Gesundheitskarte) Chip-based digital health insurance card carrying insured members' personal data, presented at medical visits to identify and process statutory coverage.
• Teleclinic Online Doctor Consultation (Online-Sprechstunde) Telemedicine service providing round-the-clock doctor consultations via video or phone to all insured members, delivered through the Teleclinic partnership.
• fitforcash Bonus Program (Bonusprogramm fitforcash) Annual bonus program rewarding members up to EUR 300 for engaging in healthy behaviors and preventive care activities such as screenings and check-ups.
• Mein Extra Gesundheitsgeld Reimbursement benefit providing up to EUR 200 back to members for health services and treatments such as dental cleanings.
• Member Referral Program (Mitglieder werben Mitglieder) Member-get-member referral program paying EUR 30 to existing members for every successfully recruited new member.
• Wahltarif Selbstbehalt Zahnersatz Optional deductible tariff for dental prosthetics that pays EUR 200 back to the member on eligible dental prosthetic treatments.
• Gesundheitskurse und Reisen (Health courses and travel) Health courses and travel benefit providing members with access to wellness programs and reimbursements for travel vaccinations.
• Familienwelt (Family Portal) Information and services portal aimed at member families, covering pregnancy, child health, and parenting-related health topics.
• Mobil YOU (Youth Portal) Portal aimed at younger insured members, focused on mental health, life orientation, and personal organization.
• TrainingsZone (Fitness Portal) Information portal providing fitness and sports training advice and exercise programs to members.

Quantifiable outcome

• Up to €300 annual bonus available through bonus program
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

Three partnerships are on record, tiered core.

• TelecliniccoreTechnology or IntegrationTeleclinic provides 24/7 medical consultation services (Teleclinic/Rund-um-die-Uhr Arztgespräche) integrated into Mobil Krankenkasse's member services, enabling round-the-clock access to doctors via video or phone for all insured members.
• Apple (App Store)coreTechnology or IntegrationDistribution partnership for MOBIL ME mobile application on iOS devices through the Apple App Store, enabling members to download the service app on iPhones and iPads.
• Google (Google Play)coreTechnology or IntegrationDistribution partnership for MOBIL ME mobile application on Android devices through Google Play Store, enabling members to download the service app on Android smartphones and tablets.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Direct peers

• DAK-Gesundheit: Large German statutory health insurer serving members nationwide with statutory coverage, bonus programs, and digital health tools. Comparable to Mobil Krankenkasse in benefits, member segments, and digital delivery.
• Audi BKK: Corporate-sponsored Betriebskrankenkasse with the same Betriebskrankenkasse structure and historical corporate-sponsor affinity as BKK Mobil Oil. Directly comparable in organizational form, coverage, and member-base dynamics.
• IKK classic: One of Germany's largest statutory health insurance funds (Innungskrankenkasse), offering statutory coverage plus supplementary benefits including bonus programs and digital services. Comparable in coverage type and member-base structure.
• Barmer: Major German statutory health insurer (Ersatzkasse) offering statutory coverage plus supplementary benefits and digital services. Directly comparable in coverage type, target market, and service model.
• KKH Kaufmännische Krankenkasse: German statutory health insurer serving commercial-sector members with statutory coverage and supplementary benefits. Comparable in member demographics (employed and families) and product offering.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurance fund, offering the same gesetzliche Krankenversicherung coverage with a strong digital service offering. Directly comparable to Mobil Krankenkasse in product, member base, and digital-first positioning.
• HEK (Hanseatische Krankenkasse): Hamburg-based statutory health insurer (Ersatzkasse) offering statutory coverage with digital services and supplementary benefits. Comparable in coverage, regional origin, and digital-first orientation.

Broad incumbents

• AOK (Allgemeine Ortskrankenkasse): Federated group of regional statutory health insurers collectively covering a large share of German members. Comparable statutory coverage and supplementary benefits, but operates as a broader regional network rather than a single national fund.

Emerging players

• ottonova: Digital-first private health insurer (PKV) in Germany targeting tech-savvy consumers with a mobile app-driven experience. Comparable in digital-first positioning and member experience, but operates in private rather than statutory insurance.
• BIG direkt gesund: Statutory health insurer positioning as a digital-first, direct-to-consumer alternative. Comparable in statutory coverage and emphasis on digital service delivery, but smaller and explicitly differentiated by its online-only go-to-market.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/mobilkrankenkasse
• Facebookfacebook.com/bkkmobiloil
• Instagraminstagram.com/mobilkrankenkasse
• TikToktiktok.com/@mobilkrankenkasse

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about BKK Mobil Oil