Mobil Krankenkasse

What Mobil Krankenkasse does

Mobil Krankenkasse is a German statutory health insurance provider (gesetzliche Krankenkasse / Betriebskrankenkasse) founded in 1952, headquartered in Hamburg, and supervised by the Bundesamt für Soziale Sicherung (BAS). The company delivers regulated social health insurance to employees, students, self-employed individuals, and families who fall under mandatory insurance thresholds in Germany, operating as a member-based public social insurance institution rather than a privately held entity.

Its core technology stack centers on a member self-service ecosystem: the Online-Service-Portal (OSP) handles applications, claims, and administrative tasks online, while the MOBIL ME mobile app (available on iOS and Android) authenticates and supplements portal access. Integrated digital health modules include the Elektronische Patientenakte (ePA) for electronic patient records, E-Rezept for electronic prescription processing, and the Elektronische Gesundheitskarte for insurance verification. Telemedicine is delivered through a Teleclinic partnership providing 24/7 video consultations. Value-added modules — fitforcash bonus (up to €300), Extra-Gesundheitsgeld 200PLUS (€200 annual health budget for osteopathy, professional teeth cleaning, orthodontic), and the Wahltarif Selbstbehalt Zahnersatz dental deductible (€600 over three years) — sit alongside segment portals including Mobil YOU (student/young adult mental health), Familienwelt (family health), TrainingsZone (fitness), and Lebenswelten Kita | Schule | Kommune (institutional health promotion). Information brochures are available for download or postal order.

The revenue model is fundamentally subscription/recurring: statutory health insurance contributions collected from members and employers on a monthly cadence, with pricing rates set by German legislation rather than by the insurer. The go-to-market is direct-to-consumer, combining digital self-service channels with phone-based service (Mon–Fri 07:30–19:00) and a member referral program (Mitglieder werben Mitglieder, €30 per recruit). Distribution also extends to enterprises via the Unternehmen Gesundheit employer portal and to healthcare providers including doctors, hospitals, midwives, and self-help groups. The firm does not have venture or private equity ownership and operates under the regulatory constraints applicable to all German statutory insurers.

Name

Mobil Krankenkasse

Legal name

Mobil Krankenkasse

Website

https://mobil-krankenkasse.de

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Mobil Krankenkasse is a Hamburg-based German statutory health insurance provider (Betriebskrankenkasse) serving employees, students, self-employed individuals, and families through regulated contributions, delivering digital self-service via its Online-Service-Portal, MOBIL ME app, and integrated ePA, e-Rezept, and Teleclinic telemedicine services.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

Keywords

• Statutory health insurance
• Health insurance coverage
• Preventive health services
• Family health programs
• Digital health services

Headquarters

HQ city

Hamburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: As a statutory health insurance provider (gesetzliche Krankenkasse) in Germany, Mobil Krankenkasse operates on a membership-based model funded by statutory health insurance contributions. Membership is mandatory for eligible employees earning below the income threshold, with contributions split between employee and employer.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Mobil Krankenkasse is a German statutory health insurance provider (gesetzliche Krankenkasse / Betriebskrankenkasse) delivering mandatory public health insurance coverage to eligible employees, students, self-employed individuals, and families in Germany. Its offering centers on comprehensive health benefits including preventive care, dental services, maternity care, and family health programs, supplemented by bonus programs (fitforcash up to €300), an annual extra health budget (€200), digital self-service tools (Online-Service-Portal and MOBIL ME app), electronic patient records, electronic prescriptions, and 24/7 telemedicine via Teleclinic.

Product overview

Mobil Krankenkasse is a German statutory health insurance provider offering a platform-based service model centered on its Online-Service-Portal (OSP) and mobile Service-App MOBIL ME. The core product ecosystem includes digital self-service tools for managing applications, benefits, and health records electronically. Value-added modules include the fitforcash bonus program (up to 300 EUR), Mein Extra-Gesundheitsgeld 200PLUS (200 EUR annual health budget), and the Wahltarif Selbstbehalt Zahnersatz dental care option (600 EUR over three years). Digital health services encompass the electronic patient file (ePA), electronic prescription (e-Rezept), electronic health card, online doctor consultations via Teleclinic, and preventive health courses and travel programs. Members can also access downloadable informational brochures covering family health, prevention, dental care, and nursing care topics.

Differentiator

Problem solved

Functional benefit

Brands

• MOBIL ME: Service app for members to access Online-Service-Portal, manage benefits, and handle insurance matters digitally

Products and services

• Online-Service-Portal (OSP) Digital self-service portal allowing members to submit applications, manage benefits, and handle health insurance administrative matters completely online.
• Service-App MOBIL ME Mobile application for iOS and Android providing on-the-go access to insurance services and serving as authentication for the Online-Service-Portal.
• Bonusprogramm fitforcash Bonus program rewarding members for healthy behaviors and preventive care with up to €300 in payouts.
• Mein Extra-Gesundheitsgeld 200PLUS Annual health budget of €200 for members to use on services such as osteopathy, professional teeth cleaning, or orthodontic treatments.
• Wahltarif Selbstbehalt Zahnersatz Voluntary deductible tariff for dental care providing €600 reimbursement over three years, with €200 paid immediately upon enrollment.
• Elektronische Patientenakte (ePA) Electronic patient file for storing and managing personal health records electronically.
• Elektronisches Rezept (e-Rezept) Digital prescription service enabling electronic receipt and processing of medical prescriptions.
• Elektronische Gesundheitskarte Electronic health insurance card with electronic functionality for insurance verification and access to medical services.
• Online-Sprechstunde (Teleclinic) Telemedicine service providing 24/7 doctor consultations via video call in partnership with Teleclinic.
• Gesundheitskurse und Gesundheitsreisen Preventive health courses and health travel programs covered as additional member benefits.
• Mitgliedsbescheinigung Digital membership certificate available through the Online-Service-Portal for proof of insurance status.
• Vorsorgeerinnerung Preventive care reminder service alerting members to upcoming preventive examinations and screenings.
• Informationsmaterial und Broschüren Downloadable and mail-order brochures covering health insurance benefits, family health, dental care, prevention, and care services for current and prospective members.

Quantifiable outcome

• Up to €300 bonus through fitforcash program
• +3 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature5 records

Partnerships

One partnership is on record.

• TelecliniccoreStrategic or Co-development PartnerPartnership provides 24/7 medical consultations via teleclinic, enabling members to access doctor consultations around the clock without visiting a physical clinic.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Barmer: Major German statutory health insurer (Ersatzkasse) with a national footprint, comprehensive digital services, and a comparable focus on family, dental, and preventive benefits.
• Audi BKK: Betriebskrankenkasse with a similar historical corporate origin to Mobil Krankenkasse; offers statutory coverage plus employer-focused workplace health programs and bonus benefits.
• pronova BKK: Open Betriebskrankenkasse with a comparable product mix — bonus programs, family benefits, digital portal/app — competing for the same individual and family member segment.
• HEK Hanseatische Krankenkasse: Hamburg-based statutory health insurer with a comparable regional-to-national orientation, competing directly with Mobil Krankenkasse on digital service and benefit generosity.
• IKK classic: Largest member of the IKK (Innungskrankenkasse) system, offering statutory health insurance with a comparable mix of digital tools, bonus programs, and family benefits.
• DAK-Gesundheit: Large national statutory health insurer (Ersatzkasse) competing head-to-head with Mobil Krankenkasse on benefits, bonus programs, and digital member services.
• Techniker Krankenkasse (TK): Largest statutory health insurer in Germany by membership. Directly comparable as a gesetzliche Krankenkasse with a similar digital-first service strategy and comparable benefit portfolio.
• KKH Kaufmännische Krankenkasse: Statutory health insurer historically aligned with commercial-sector employees, now serving a broad membership with digital-first services and benefit programs comparable to Mobil Krankenkasse.

Emerging players

• BIG direkt gesund: Statutory health insurer with a direct-to-consumer orientation; overlaps with Mobil Krankenkasse on digital self-service and bonus-style benefits, but competes as a more digitally-native challenger.

Broad incumbents

• AOK (Allgemeine Ortskrankenkasse): Largest group of regional statutory health insurers in Germany. Overlaps heavily on statutory benefits, employer relationships, and digital service expectations, but operates as a federated network of 11 regional AOKs.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/mobilkrankenkasse
• Facebookfacebook.com/mobilkrankenkasse
• Instagraminstagram.com/mobilkrankenkasse
• TikToktiktok.com/@mobilkrankenkasse
• Xx.com/MobilPresse
• LinkedInlinkedin.com/company/mobil-krankenkasse

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 Mobil Krankenkasse