AOK Rheinland-Pfalz / Saarland - Die Gesundheitskasse

What AOK Rheinland-Pfalz / Saarland - Die Gesundheitskasse does

AOK Rheinland-Pfalz/Saarland — Die Gesundheitskasse is a regional statutory health insurance fund (gesetzliche Krankenkasse) operating as a public-law corporation (Körperschaft des öffentlichen Rechts) under the German social security framework, serving insured members across the Rhineland-Palatinate and Saarland regions. The modern entity was formed in 2015 through the merger of the previously separate AOK Rheinland-Pfalz and AOK Saarland, consolidating two regional funds under the broader AOK federation coordinated by the AOK Bundesverband. The organization employs between 1,001 and 5,000 staff and, as a non-profit public insurer, has no shareholders and is not publicly traded. (Note: while a baseline firmographic field lists the country as Austria, multiple authoritative sources — the DEU jurisdiction, the German-language official site at aok.de/pk/rps/, the AOK Bundesverband parentage, and the legal-name registration — consistently indicate the entity is domiciled and operating in Germany.)

The company's product ecosystem is anchored on regulated statutory health insurance coverage, supplemented by a portfolio of voluntary and digital services. The core digital interface is the Meine AOK mobile app and online customer portal, enabling members to submit sick notes, manage documents, and access services. Supporting digital infrastructure includes the Elektronische Patientenakte (ePA) electronic patient record accessible via ID card, smartphone, or Nect Wallet App, the Elektronische Gesundheitskarte (eGK) physical health card, and the Long-COVID-Coach digital program. Care coordination is delivered through the AOK-Hausarztprogramm primary care physician program, while member-facing services include the AOK-Clarimedis 24/7 staffed medical telephone hotline, Gesundheitskurse (courses in movement, nutrition, stress management), Bonusprogramme incentive rewards for healthy behaviors, and Zusatzversicherungen plus Wahltarife voluntary supplementary coverages. The AOK-Gesundheitsmagazin provides content across nutrition, family, travel, mental health, and digital health topics.

Revenue derives almost entirely from regulated statutory health insurance contributions calculated as a percentage of member income and split between employer and employee under German federal law, with supplementary revenue from optional Zusatzversicherungen and elective Wahltarife (selbstbeteiligungstarife with deductible-based premium reductions). Pricing is set by federal regulation rather than market-based; contribution rates are not company-determined. Distribution is direct-to-consumer and multi-channel: physical regional service centers, the Meine AOK self-service app and portal, telephone customer service and callback, a member-to-member referral program paying a 30 EUR incentive, and content portals available in 17 languages plus Leichte Sprache and Gebärdensprache accessibility variants. Marketing employs the official website, the AOK Gesundheitsmagazin content platform, social media, and email newsletters.

Name

AOK Rheinland-Pfalz / Saarland - Die Gesundheitskasse

Legal name

AOK Rheinland-Pfalz/Saarland - Die Gesundheitskasse

Website

https://rps.aok.de

Company type

Private

Founded year

1884

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

AOK Rheinland-Pfalz/Saarland is a German statutory health insurance fund operating as a public-law corporation, serving insured members across Rhineland-Palatinate and Saarland with regulated coverage, digital self-service (Meine AOK app, electronic patient record), and supplementary wellness programs.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

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

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Statutory health insurance
• Health insurance funds
• Healthcare benefits
• Preventive health programs
• Member health services

Headquarters

HQ city

Eisenberg An Der Pinka

HQ country

Austria

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: Statutory health insurance contributions collected from employed members based on income. Contribution rates are regulated by German law and split between employer and employee.
2. Supplementary Insurance Premiums: Revenue from additional voluntary supplementary insurance products (Zusatzversicherungen) that provide extra coverage beyond the statutory package.
3. Wahltarife: Optional selected tariff plans (Selbstbeteiligungstarife) where members choose different deductible structures in exchange for premium reductions.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

AOK Rheinland-Pfalz/Saarland is a statutory health insurance provider (gesetzliche Krankenkasse) operating under German social security law. It underwrites regulated income-based health coverage for employed members, families, trainees, self-employed, and other insured groups, and surrounds that core coverage with digital services (Meine AOK portal/app, ePA electronic patient record), preventive wellness programs (Gesundheitskurse, Bonusprogramme), coordinated primary care via the AOK-Hausarztprogramm, 24/7 medical guidance through AOK-Clarimedis, supplementary insurance products (Zusatzversicherungen/Wahltarife), and condition-specific coaching such as the Long-COVID-Coach.

Product overview

AOK Rheinland-Pfalz/Saarland is a statutory health insurance provider (Krankenkasse) offering a unified portfolio of insurance and health management services. The core product ecosystem centers on the Meine AOK-App/Online-Kundencenter as the primary digital interface for members, supported by specialized programs including AOK-Clarimedis (telephone medical information), the AOK-Hausarztprogramm (coordinated primary care), and digital offerings such as the Long-COVID-Coach and Elektronische Patientenakte (ePA). Additional offerings include Gesundheitskurse (health courses), Bonusprogramme (reward programs), Zusatzversicherungen & Wahltarife (supplementary insurance), the AOK-Gesundheitsmagazin (content platform), and standard administrative services through Formulare und Anträge. The Elektronische Gesundheitskarte provides the physical infrastructure for accessing care.

Differentiator

Problem solved

Functional benefit

Brands

• Meine AOK: Online customer portal and mobile app for members to manage their health insurance, submit documents, and access services.
• AOK-Clarimedis

Products and services

• Meine AOK-App / AOK Online-Kundencenter Digital customer portal and mobile app enabling insured members to submit sick notes online, manage their health insurance matters, and access self-service functions.
• AOK-Clarimedis Telephone-based medical information service providing insured members with health-related guidance and information by phone.
• Long-COVID-Coach Digital coaching program supporting individuals experiencing long-term effects following a COVID-19 infection.
• AOK-Hausarztprogramm Primary care physician program bundling all health services through the member's family doctor for coordinated patient care.
• Gesundheitskurse Health courses covering movement, nutrition, stress management and more, offered as part of wellness benefits to insured members.
• Elektronische Patientenakte (ePA) Electronic patient record system enabling digital storage and access to personal health documents, accessible via ID card, smartphone, or Nect Wallet App.
• Elektronische Gesundheitskarte (eGK) Electronic health card providing insured individuals with identification and access to medical services within the German healthcare system.
• Bonusprogramme Bonus programs rewarding insured members for healthy behaviors and participation in preventive care activities.
• Zusatzversicherungen & Wahltarife Supplementary insurance and elective tariffs allowing members to customize their health protection beyond the statutory package, including deductible-based premium reductions.
• Formulare und Anträge Online collection of important forms and applications for insurance services and administrative processes available to insured members.

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• AOK NordWest: AOK NordWest serves North Rhine-Westphalia and Schleswig-Holstein under the same AOK umbrella and statutory regime. It is directly comparable in product offering, target segments, and operating model to AOK RPS.
• AOK Baden-Württemberg: AOK Baden-Württemberg is another regional AOK statutory health fund, sharing the same governance model, contribution rules, and digital infrastructure as AOK RPS. It competes with AOK RPS for member share inside the German statutory insurance market.
• Barmer: Barmer is one of Germany's largest statutory Ersatzkassen, offering core GKV coverage plus supplementary insurance. It competes head-to-head with AOK RPS for members across the same regulated product categories.
• Techniker Krankenkasse (TK): TK is Germany's largest open statutory health insurer (Ersatzkasse) operating nationwide. It directly competes with AOK RPS for the same insured pool under the same GKV contribution framework, with comparable supplementary and elective tariff products.
• IKK classic: IKK classic is the largest Innungskrankenkasse in Germany, providing statutory health insurance plus elective tariffs. It targets overlapping member profiles (employees, families, trainees) and competes with AOK RPS under the same GKV framework.
• DAK-Gesundheit: DAK-Gesundheit is a large nationwide statutory Ersatzkasse with similar statutory product offerings and supplementary tariffs. It competes with AOK RPS for the same insured segments under the same contribution law.
• AOK Bayern: AOK Bayern is the largest regional AOK statutory health insurance fund in Germany. It is directly comparable to AOK Rheinland-Pfalz/Saarland as a sister AOK entity operating under the same regulatory framework, contribution structure, and product portfolio.
• AOK Nordost: AOK Nordost covers Brandenburg, Mecklenburg-Vorpommern and Berlin as a regional statutory health insurer. Operates under identical contribution law, product structure, and AOK brand architecture as AOK RPS.
• KKH Kaufmännische Krankenkasse: KKH is a nationwide statutory Ersatzkasse focused on commercial-sector employees and families. It is comparable to AOK RPS as a regulated statutory carrier with supplementary products and digital services aimed at the same insured segments.
• AOK Hessen: AOK Hessen is a regional statutory AOK fund sharing product portfolio, governance, and contribution model with AOK RPS, making it a direct analogue within the AOK federation.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/AOKRH
• YouTubeyoutube.com/user/AOK
• Facebookfacebook.com/aokrps
• LinkedInlinkedin.com/company/aok-rheinland-pfalz-saarland
• Instagraminstagram.com/aok

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 AOK Rheinland-Pfalz / Saarland - Die Gesundheitskasse