Landeskrankenhilfe VVaG

What Landeskrankenhilfe VVaG does

Landeskrankenhilfe V.V.a.G. (LKH) is a Lüneburg-headquartered, mutually-organized private health insurer founded in 1926, operating exclusively on the German market under the regulatory framework for private Krankenversicherung (PKV). The company insures approximately 317,000 policyholders and generated €957.3 million in gross written premiums in 2024. Its product portfolio spans full private health insurance (LKH-GesundheitsUpgrade Premium and Komfort for employees, self-employed, and physicians), civil servant supplementary coverage (LKH-BeihilfeUpgrade, launched July 2026), modular supplementary lines (LKH-ZahnUpgrade in 50/70+/90+ tiers and LKH-KlinikUpgrade in Plus/Top tiers), corporate health insurance for SMEs (LKH-TeamUpgrade with five budget tiers and a 5-employee minimum), and mandatory Pflegepflichtversicherung.

LKH distributes through a hybrid channel: insurance intermediaries (Versicherungsvermittler/Makler) anchored on the Vermittlerportal (vermittler.lkh.de), direct-to-consumer via lkh.de and the antrag.lkh.de application portal, and B2B corporate sales integrated with XEMPUS. The technology layer centers on the Meine LKH app and web portal (iOS/Android) for policy administration, photo-based claims submission, E-Rezept, online check-in via the Telematikinfrastruktur, and digital mailbox. The OnTop-Service telemedicine partnership with MD Medicus provides 24/7 health hotline, video consultations, and specialist scheduling to qualifying policyholders at no additional cost.

LKH is a Versicherungsverein auf Gegenseitigkeit (VVaG) — it is not part of a corporate group, has no shareholders, and returns surpluses to members via mechanisms such as LKH-BENEFIT (up to 4-6 monthly contribution refunds for claim-free years), LKH-Gesundheitsbonus (up to €750/year on GUP), and the BRE-Retter claim-protection feature. Leadership comprises a four-person executive board (Dr. Matthias Brake, Jan-Peter Diercks, Pavel Berkovitch, Gisela Lenk) with 251-500 employees. The company holds top-tier analyst ratings (Franke und Bornberg FFF+, Ascore highest, Morgen & Morgen 5 stars, Stiftung Warentest SEHR GUT) and is positioning its 2026 centenary as a growth platform anchored in intermediary-led B2B expansion.

Name

Landeskrankenhilfe VVaG

Legal name

Landeskrankenhilfe V.V.a.G.

Website

https://lkh.de

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

251–500 employees

Short description

Landeskrankenhilfe V.V.a.G. is a German mutual (VVaG) private health insurer founded in 1926, headquartered in Lüneburg, serving ~317,000 policyholders with €957.3M 2024 gross premiums via PKV, BeihilfeUpgrade for civil servants, supplementary, corporate, and nursing care lines distributed through intermediaries and direct channels.

Ownership category

akta.pro rank

Product category

Private Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)

Keywords

• Private health insurance
• Supplementary health insurance
• Corporate health insurance
• Dental insurance
• Nursing care insurance

Headquarters

HQ city

Lüneburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Private Health Insurance Premiums (PKV): LKH generates revenue primarily through private health insurance premiums charged to policyholders. The company is organized as a Versicherungsverein auf Gegenseitigkeit (mutual insurance association), meaning profits flow back to members through premium refunds and stable contributions.
2. Supplementary Health Insurance Premiums: Additional revenue from supplementary insurance products including dental (LKH-ZahnUpgrade), hospital (LKH-KlinikUpgrade), sickness daily allowance, and nursing care insurance products.
3. Corporate Health Insurance (bKV) Premiums: LKH-TeamUpgrade product for corporate health insurance, sold to SMEs starting at 5 employees, generating recurring premiums from employer-paid group policies.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels9 records

Core offering

Landeskrankenhilfe V.V.a.G. (LKH) is a German mutual health insurance association (Versicherungsverein auf Gegenseitigkeit, founded 1926) that sells private health insurance products directly and through intermediaries. Its portfolio includes full private health insurance (PKV) for employees and self-employed (LKH-GesundheitsUpgrade), supplementary insurance for German civil servants (LKH-BeihilfeUpgrade), dental and hospital supplementary insurance (LKH-ZahnUpgrade, LKH-KlinikUpgrade), corporate health insurance for SMEs (LKH-TeamUpgrade), nursing care insurance, daily sickness and hospital allowances, and digital health services (Meine LKH app, online doctor via MD Medicus).

Product overview

Landeskrankenhilfe (LKH) is a mutual health insurance association (Versicherungsverein auf Gegenseitigkeit) offering a comprehensive portfolio of private health insurance products. The core offerings include LKH-GesundheitsUpgrade (private full health insurance for employees/self-employed in Premium and Komfort tiers) and LKH-BeihilfeUpgrade (private health insurance for civil servants with base, Komfort, Premium, and hospital add-on modules). Supplementary insurance products include LKH-ZahnUpgrade (dental insurance in 50/70+/90+ tiers), LKH-KlinikUpgrade (hospital insurance in Plus/Top tiers), and LKH-TeamUpgrade (corporate health insurance with Complete/Fit/Smile options). Additional offerings include Pflegepflichtversicherung (mandatory nursing care), Krankentagegeld, Krankenhaustagegeld, and Pflegezusatzversicherung. Digital services encompass Meine LKH (app and customer portal) and Online-Arzt/OnTop-Service (telehealth via MD Medicus partnership). Loyalty programs include LKH-BENEFIT (contribution refund), LKH-Gesundheitsbonus, and BRE-Retter protection. The company insures approximately 317,000 people with 957.3 million euros in gross premiums (2024).

Differentiator

Problem solved

Functional benefit

Brands

• LKH-GesundheitsUpgrade: Private Krankenvollversicherung (full health insurance) product line for employees and self-employed, offering Premium and Komfort tariff tiers.
• LKH-BeihilfeUpgrade
• LKH-TeamUpgrade
• LKH-ZahnUpgrade
• LKH-KlinikUpgrade

Products and services

• LKH-GesundheitsUpgrade (Private Full Health Insurance, PKV) Full private health insurance (PKV) for employees, self-employed and physicians, available in Premium (GUP) and Komfort (GUK) tiers. Premium tier offers reimbursement beyond the maximum GOÄ/GOZ fee schedule, chief physician treatment and single/double room options. Komfort tier covers preventive care, spa/rehab, osteopathy, two-bed room and chief physician treatment. Both include LKH-BENEFIT premium refunds, LKH-Gesundheitsbonus and contribution exemption during parental leave.
• LKH-BeihilfeUpgrade (Supplementary PKV for Civil Servants) Supplementary private health insurance for German civil servants (Beamte) and civil servant candidates (Beamtenanwärter, including teachers, police officers, administrative staff, professors), covering the remaining cost share not covered by state Beihilfe benefits. Available with Basic plus optional Komfort and Premium add-ons for 100% reimbursement up to or above the GOÄ/GOZ maximum, plus optional Klinik/Klinik Top hospital add-ons for private physician and single-bed room. Includes LKH-BENEFIT refunds up to 6 monthly contributions per claim-free year and parental-leave contribution exemption.
• LKH-ZahnUpgrade (Dental Supplementary Insurance) Dental supplementary insurance for statutory and private insurance members, in three tiers: ZahnUpgrade 50 (50% reimbursement for dental prostheses and treatments), ZahnUpgrade 70+ (70-75% with BonusPlus preventive care bonus after 5 years), and ZahnUpgrade 90+ (90-100%, recommended tier, awarded 'SEHR GUT' (0.8) by Stiftung Warentest). All tiers cover 100% of high-quality dental treatment including bleaching.
• LKH-KlinikUpgrade (Hospital Supplementary Insurance) Hospital supplementary insurance for statutory insurance members in two tiers: KlinikUpgrade Plus (two-bed room, private physician treatment including reimbursement beyond 3.5x GOÄ fee schedule, replacement hospital daily allowance up to 80 EUR/day) and KlinikUpgrade Top (single-bed room, unlimited physician fee coverage, replacement hospital daily allowance up to 100 EUR/day, awarded 'SEHR GUT' by WirtschaftsWoche).
• LKH-TeamUpgrade (Corporate Health Insurance, bKV) Corporate health insurance (betriebliche Krankenversicherung, bKV) for SMEs with 5+ employees, offered in three budget tiers: TeamUpgrade Complete (comprehensive cover for outpatient services, preventive care, dental benefits and innovation prevention), TeamUpgrade Fit (preventive examinations and protective vaccinations including malaria prophylaxis and travel medicine consultation), and TeamUpgrade Smile (dental health, prostheses, orthodontics for accidents and pain management). Distributed via XEMPUS-based automated quoting.
• Krankentagegeld (Daily Sickness Allowance Insurance) Daily sickness allowance insurance for employees to compensate income loss during inability to work, with flexible selectable daily allowance amounts and unlimited benefit duration. Often bundled with LKH-GesundheitsUpgrade products.
• Krankenhaustagegeld (Hospital Daily Allowance Insurance) Hospital daily allowance insurance providing financial support for co-payments, travel costs and incidental expenses during hospital stays.
• Pflegezusatzversicherung (Supplementary Nursing Care Insurance) Supplementary nursing care insurance designed to close the financial gap in case of needing care, complementing the mandatory Pflegepflichtversicherung.
• Pflegepflichtversicherung (Mandatory Private Nursing Care Insurance, PPV) Mandatory private nursing care insurance as required by German law for privately insured persons, providing coverage for care-related services including nursing cash benefits, professional nursing care and residential care. Includes free independent nursing care consultation via partner COMPASS Private Pflegeberatung GmbH and assessments via Medicproof.

Quantifiable outcome

• Premium refund up to 4 monthly contributions per year for claims-free years (LKH-BENEFIT)
• +5 more outcomes

Named customers5 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature4 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• MD MedicuscoreTechnology or IntegrationMD Medicus provides the OnTop Service / Online Doctor platform for LKH, including 24/7 health hotline, video consultations, doctor appointment scheduling, and Long-/Post-COVID advisory. LKH policyholders with full private health insurance, Beihilfe supplementary, or corporate health insurance can access over 80 MD Medicus physicians across 30+ disciplines at no additional cost.
• XEMPUScoreTechnology or IntegrationXEMPUS platform is used for automated quote generation and application processing for LKH-TeamUpgrade corporate health insurance, enabling streamlined B2B sales workflows for intermediaries and corporate clients.
• Mavie WorkminorStrategic or Co-development PartnerMavie Work provides on-site health events for corporate clients of LKH-TeamUpgrade, conducting comprehensive health checks (60 health values in 20 minutes) with a mobile laboratory brought directly to the workplace.
• B2BFitminorOthersB2BFit is a partner for organizing corporate health events for LKH bKV clients. Contact: [email protected], 0511 51543396.
• movement24minorOthersmovement24 is a partner for organizing corporate health events for LKH bKV clients. Contact: [email protected], 089 92779929.
• COMPASS Private Pflegeberatung GmbHminorOthersCOMPASS provides free, independent nursing care consultation (Pflegeberatung) to LKH policyholders facing nursing care situations. Contact: 0800 1018800, [email protected].
• MedicproofminorOthersMedicproof conducts nursing care degree assessments (Pflegegrad) for LKH policyholders in the private nursing care insurance (PPV). The Medizinischer Dienst performs evaluations on behalf of LKH.
• Sanitätshaus müller betten (SMB)minorOthersSMB is a contracted partner for supplying nursing care aids (Hilfsmittel) for LKH PPV policyholders.
• AfW (Ausschließende Finanzdienstleistungswirtschaft)minorChannel Partner/ Reseller/ DistributorLKH holds membership in the AfW association, the industry body for insurance intermediaries and financial services in Germany.
• VOTUMminorChannel Partner/ Reseller/ DistributorLKH holds membership in VOTUM, a German association of insurance intermediaries and brokers.

Scale indicators4 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• DKV Deutsche Krankenversicherung: One of Germany's largest direct PKV carriers, part of ERGO/Munich Re; directly competes across full PKV, supplementary, and travel-health lines with similar intermediated and direct distribution.
• Württembergische Krankenversicherung AG (W&W Group): Mid-size German PKV specialist within the W&W/Wüstenrot group; similar scale and target segments, including civil servants and supplementary cover, with comparable regional strength.
• ARAG Krankenversicherung: ARAG Krankenversicherung offers supplementary and full PKV; competes directly in supplementary dental/hospital and private full cover, with a strong presence in legal-protection-bundled offerings.
• Debeka Krankenversicherungsverein a.G. Germany's largest private health insurer, also a VVaG mutual; directly comparable as a member-owned pure-play PKV with similar tradition of profit redistribution and intermediary-led distribution.
• HUK-COBURG-Krankenversicherung: Major German mutual insurer with a sizeable health line; comparable as a VVaG-backed multi-line carrier competing in the same PKV segments with cross-subsidization across motor/life.
• Concordia Krankenversicherungs-AG: Mid-size PKV carrier with a mutual heritage (Concordia Versicherungsverein a.G.), focused on PKV/supp. cover — comparable scale and product mix to LKH, particularly in regional markets.
• Continentale Krankenversicherung a.G. Mutual German insurer (Konzern ohne Konzernaufsicht) with a PKV focus; directly comparable as a member-owned specialist that competes with LKH in PKV and supplementary cover.
• Bayerische Beamtenkrankenkasse (BBK / Die Gesundheitsdirekt): Civil-servant-focused PKV arm of Versicherungskammer Bayern; the most direct niche competitor to LKH's new BeihilfeUpgrade product line in the Beamtenanwärter / Beamte segment.
• SIGNAL IDUNA Krankenversicherung: Mutual German insurer offering private health, life, and pensions; competes head-to-head with LKH in PKV for employees/civil servants through similar intermediary and group channels.

Broad incumbents

• Allianz Private Krankenversicherung: Leading German PKV carrier within the Allianz group; competes broadly across the same segments as part of a much larger insurance portfolio and global brand spend.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/landeskrankenhilfe
• LinkedInde.linkedin.com/company/landeskrankenhilfe-lkh
• Instagraminstagram.com/landeskrankenhilfe

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 Landeskrankenhilfe VVaG