BKK VBU
- Company typePrivate
- Founded1993
- HeadquartersBerlin, Germany
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What BKK VBU does
BKK VBU, operating commercially as mkk – meine krankenkasse, is a German statutory health insurance fund (Betriebskrankenkasse / gesetzliche Krankenkasse) organized as a public corporation under German public law. Headquartered in Berlin, the company provides regulated health and long-term care insurance (SGB V and SGB XI) to statutory-insurance-eligible individuals across all 16 German federal states, with a deliberate digital-first service model. Core products include the mkk App for member self-service, an integrated Elektronische Patientenakte (ePA) for digital health records, a TeleClinic-powered Digitale Arztsprechstunde for video consultations, and free Online-Gesundheitskurse in nutrition, movement, relaxation, and substance reduction. Differentiated benefit programs include the Gesundheitskonto (a health account of up to €1,500 per year, segmented into Active+, Baby+, and Care+), the meinBonus preventive-care bonus (up to €100/year, with a meinBonusDigital variant paying €210 over three years), and a Wahltarif refund of up to €200/year for non-utilizing members. Add-on coverage includes osteopathy (up to €240/year), professional dental cleaning (up to €80/year), and travel vaccinations.
BKK VBU firmographics
Firmographics- Name
- BKK VBU
- Legal name
- mkk – meine krankenkasse
- Website
- https://meine-krankenkasse.de
- Company type
- Private
- Founded year
- 1993
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Ownership category
- akta.pro rank
Where BKK VBU is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
BKK VBU business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Others
Revenue model
- Statutory Health Insurance Contributions: As a statutory health insurance provider (gesetzliche Krankenkasse) in Germany, mkk generates revenue through regulated membership contributions. By law, contributions are split between the employer and employee. The company offers Wahltarife (optional premium tariffs) where members who do not use services can receive up to 200 euros annually as a refund, creating an additional revenue-adjacent mechanism.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Statutory Health Insurance Contribution Rate |
| Other | Annual | Gesundheitskonto (Health Account) - up to 1,500 EUR/year |
| Other | Annual | Bonusprogramm meinBonus - up to 100 EUR/year |
| Outcome Based/ Performance | Annual | Wahltarif - up to 200 EUR/year refund |
| Transaction based/ take rate | Monthly | Vertriebspartner Compensation - 118.65 EUR per new member |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
BKK VBU product offering
Product offeringCore offering
BKK VBU, operating as mkk – meine krankenkasse, is a German statutory health insurance fund (gesetzliche Krankenkasse) that provides mandatory health and nursing care insurance to eligible members across all 16 German federal states. Its core offering combines regulated statutory coverage with digital-first services, a member health account (Gesundheitskonto) of up to €1,500 per year, a preventive care bonus program (meinBonus) of up to €100 per year, telemedicine via TeleClinic, electronic patient records (ePA), osteopathy and dental cleaning reimbursements, and access to 30+ physical service centers supported by the mkk App and online member portal.
Product overview
mkk – meine krankenkasse is a German statutory health insurance provider offering a digital-first member experience. The core offering consists of the mkk App (mobile application for managing all insurance matters), combined with digital health services including Online-Gesundheitskurse (free online health courses), Digitale Arztsprechstunde via TeleClinic (video doctor consultations), Gesundheitskonto (annual health account with up to €1,500 for wellness benefits), and Bonusprogramm meinBonus (rewarding preventive care). Additional covered services include professional dental cleaning, osteopathy, and travel vaccinations. The company also provides Elektronische Patientenakte (ePA) for digital health record management. Services are delivered through integrations with TeleClinic for telemedicine, TIMIFY for service center appointments, Davaso and CONVEMA for billing processing, and FormCycle for online forms.
Differentiator
Problem solved
Functional benefit
Brands
- Gesundheitskonto: Health account program offering up to 1,500 euros per year for additional health benefits including Active+ (400 euros for health courses and active travel), Baby+ (600 euros for pregnancy and birth offerings), and Care+ (500 euros for osteopathy, professional teeth cleaning, alternative medicines).
- meinBonus
- mkk App
Products and services
- mkk App Mobile application enabling members to manage their statutory health insurance matters on the go, including submitting invoices and applications, asking questions, and accessing a quick overview of their benefits without paperwork or restricted hours. Targeted at all mkk members.
- Gesundheitskonto (Health Account) Annual health account providing up to €1,500 per year for additional wellness benefits, comprising Active+ (up to €400 for health courses and active travel), Baby+ (up to €600 for pregnancy and birth services), and Care+ (up to €500 for osteopathy, professional dental cleaning, and alternative medicines). Available to members and family-insured children.
- Bonusprogramm meinBonus Health bonus program rewarding members for completing recommended preventive examinations, offering up to €100 per year, up to €210 over three years through meinBonusDigital, and an additional €5 per recommended vaccination.
- Digitale Arztsprechstunde (TeleClinic) Digital doctor consultation service via TeleClinic enabling quick online appointments with physicians through video consultation. Available to mkk members as part of the statutory health insurance benefits.
- Online-Gesundheitskurse Free online health courses covering nutrition, movement, relaxation, and substance reduction, accessible online from home for mkk members.
- Osteopathie Coverage Coverage of osteopathic treatments up to €240 per year (maximum six sessions) for the whole family, including children, as part of the statutory health insurance benefits.
- Professionelle Zahnreinigung (Professional Dental Cleaning) Reimbursement of up to €80 per year for professional dental cleaning at the dentist of choice, available to mkk members.
- Reiseschutzimpfungen (Travel Vaccinations) Coverage for travel vaccinations as part of the statutory health insurance benefits, available to mkk members planning international travel.
- Wahltarif (Optional Tariff with Refund) Optional tariff (Wahltarif) allowing members who do not use health services to receive up to €200 annually as a premium refund under the statutory framework.
- Online-Mitgliedsantrag (Online Membership Application) Online membership application form taking approximately 5 minutes to complete, with processing typically within 48 hours, enabling direct enrollment in mkk's statutory health insurance.
Quantifiable outcome
- Up to 1,500 EUR per year in additional health benefits via Gesundheitskonto (400 EUR Active+, 600 EUR Baby+, 500 EUR Care+)
- +5 more outcomes
Companies that use BKK VBU
Customer profileNamed customers1 record
Segments5 records
Ideal customer profiles5 records
BKK VBU technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration6 records
Feature5 records
BKK VBU partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Davaso GmbHcoreDavaso GmbH serves as the billing service provider for mkk for numerous additional services (Sonstige Leistungen) under statutory health insurance (SGB V) and care insurance (SGB XI). Located at Gärtnerweg 12, 04425 Taucha, with IK: 661430035. Also provides the Davaso inquiry portal for self-service billing queries and document uploads.
- CONVEMA Versorgungsmanagement GmbHcoreCONVEMA Versorgungsmanagement GmbH manages hospital treatment (Krankenhausbehandlung) billing and coordination for mkk members. Located at Karl-Marx-Allee 90 A, 10243 Berlin. Contact via [email protected] or phone 030 2593861700.
- Abrechnungszentrum EmmendingencoreAbrechnungszentrum Emmendingen handles ambulatory nursing care services (Ambulante Pflegesachleistungen) billing for mkk. Located at Bundesstr. 6, 79312 Emmendingen, IK: 107436557. Also handles day and night care, short-term care (from care grade 2), nursing aids, and inpatient care billing.
- TeleCliniccoreTeleClinic integration provides members with quick online appointments with doctors (schnelle Online-Termine bei Ärztinnen und Ärzten) as part of mkk's digital medical consultation services (Digitale Arztsprechstunde).
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
BKK VBU competitors and assessment
Company assessmentDirect peers
- Audi BKK: Originally the company-specific Betriebskrankenkasse for Audi employees, now open to all insured members nationally. Like mkk (formerly BKK VBU), it represents the BKK segment of statutory health insurance — directly comparable in regulatory framework, member benefits, and digital transformation approach.
- hkk Krankenkasse: Mid-sized German statutory health insurer with national reach, competing in the same gesetzliche Krankenkasse market as mkk. Comparable benefit positioning and digital service investment, with active member acquisition through partner channels.
- DAK-Gesundheit: Large German statutory health insurer competing with mkk in the same gesetzliche Krankenkasse market. Comparable benefit portfolio and national footprint, with active digital member services and partner distribution.
- Techniker Krankenkasse (TK): Germany's largest statutory health insurer with ~14,000 employees and ~10M+ members. Direct competitor to mkk in the gesetzliche Krankenkasse market, operating nationally with strong digital services and brand recognition — a benchmark for scale and innovation.
- IKK classic: Largest Innungskrankenkasse (guild/craft) statutory health insurer in Germany with national operations. Competes with mkk for the same statutory member pool under the same regulatory framework with comparable health and welfare benefit offerings.
- HEK Hanseatische Krankenkasse: Hamburg-based statutory health insurer operating nationally as one of Germany's Ersatzkassen. Direct competitor to mkk with comparable statutory benefits, member service orientation, and digital enrollment capabilities.
- Barmer: Major German statutory health insurer with broad national membership and a comprehensive digital offering. Direct competitor to mkk for members across all segments, including employer-sponsored, family, and senior cohorts.
- KKH Kaufmännische Krankenkasse: German statutory health insurer historically focused on white-collar employees, now operating nationally across all member segments. Direct competitor to mkk with comparable benefit packages and growing digital service capabilities.
- SBK (Siemens-Betriebskrankenkasse): Originally Siemens' company-specific Betriebskrankenkasse, now open to all members nationwide. Direct comparable to mkk as a BKK-segment statutory insurer with similar digital-first strategy, family benefits emphasis, and partner distribution model.
- AOK (Allgemeine Ortskrankenkasse): Network of 11 regional statutory health insurance funds covering ~26M members — the largest collective player in the German market. Operates under the same gesetzliche Krankenkasse regulatory framework as mkk with comparable member benefits and nationwide reach.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
BKK VBU social profiles
Digital presenceBKK VBU financial estimates
Financial estimateRevenue estimate
Valuation estimate
BKK VBU leadership team
Management profileNumber of profiles
BKK VBU funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BKK VBU M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BKK VBU
What does BKK VBU do?
BKK VBU, operating as mkk – meine krankenkasse, is a German statutory health insurance fund (gesetzliche Krankenkasse) that provides mandatory health and nursing care insurance to eligible members across all 16 German federal states. Its core offering combines regulated statutory coverage with digital-first services, a member health account (Gesundheitskonto) of up to €1,500 per year, a preventive care bonus program (meinBonus) of up to €100 per year, telemedicine via TeleClinic, electronic patient records (ePA), osteopathy and dental cleaning reimbursements, and access to 30+ physical service centers supported by the mkk App and online member portal.
Is BKK VBU a public or private company?
BKK VBU is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was BKK VBU founded?
BKK VBU was founded in 1993. It employs 501 to 1,000 people.
Where is BKK VBU based?
BKK VBU is headquartered in Berlin, Germany, in the Europe region.
How does BKK VBU make money?
One revenue line is on record: statutory Health Insurance Contributions.
Who are BKK VBU's main competitors?
Direct peers on record are Audi BKK, hkk Krankenkasse, DAK-Gesundheit, Techniker Krankenkasse (TK), IKK classic, HEK Hanseatische Krankenkasse, Barmer, KKH Kaufmännische Krankenkasse, SBK (Siemens-Betriebskrankenkasse) and AOK (Allgemeine Ortskrankenkasse).
Does BKK VBU have an API?
No public API is recorded for BKK VBU.