Krones BKK

What Krones BKK does

Krones BKK (legal name: Krones Betriebskrankenkasse) is a closed statutory company health insurance fund, legally structured as a Körperschaft des öffentlichen Rechts (public law corporation) under German social security law, founded on January 1, 1989 and headquartered in Neutraubling, Germany. Membership is strictly limited to employees of Krones AG and a defined list of its subsidiaries — including Evoguard GmbH, Syskron, ecomac GmbH, KIC Krones GmbH, Krones Service Europe GmbH, System Logistics GmbH, Milkron GmbH, Steinecker GmbH, Krones Recycling GmbH, and Kroki e.V. — together with their family members. The fund serves approximately 24,000 insured persons and operates under the supervision of the Bavarian State Ministry for Health and Care, with governance split between an executive board (Vorstand, led by Michael Niedermeier), a deputy (Oliver Zangl), and an alternating supervisory board chaired by employee representative Josef Weitzer and employer representative Ralf Goldbrunner.

The core product is statutory health insurance coverage funded through a 16.80% contribution rate (14.6% general statutory rate plus a 2.2% individual supplementary contribution effective January 1, 2026), split between employer and employee. The technology stack is built around a digital service infrastructure: a member-facing iOS/Android Service-App with Nect-App video authentication, electronic patient record (ePA) introduced January 2025, an Identity and Access Management system with two-factor authentication, and integration with BITMARCK's certified data center for backend processing. Distribution is entirely direct-to-member via two physical Geschäftsstellen (Neutraubling and Nittenau), scheduled on-site consultation hours at Krones AG works (Neutraubling, Nittenau, Rosenheim/Raubling, Flensburg, Freising/Steinecker), phone, email, and the mobile app.

Revenue mechanics are contribution-based rather than commercial: the fund collects payroll-tied insurance contributions, supplements these with a 200 EUR annual prevention budget, a bonus program yielding up to 100 EUR cash or 300 EUR in health-service vouchers, and reimbursements for osteopathy (up to 300 EUR/year), professional teeth cleaning (up to 40 EUR), nutritional counseling, and certified prevention courses. The fund resells or brokers access to third-party digital health products — including AI-supported pain therapy via medicalmotion, online psychotherapy via KIRINUS, and prescribed DiGAs such as Cara Care — as differentiators against open-market statutory competitors.

Name

Krones BKK

Legal name

Krones Betriebskrankenkasse

Website

https://krones-bkk.de

Company type

Private

Founded year

1989

Operating status

Operating

Headcount range

11–50 employees

Short description

Krones BKK is a closed statutory company health insurance fund (Betriebskrankenkasse) serving approximately 24,000 employees and family members of Krones AG and its subsidiaries in Germany, combining regulated health insurance coverage with digital health services and on-site workplace consultation.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

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

akta.pro primary industry

Pharmacy Benefit Analytics, Reporting & Employer Consulting (HLAEAKAK)

Keywords

• Statutory health insurance
• Company health fund
• Employee health benefits
• Digital health services
• Preventive care programs

Headquarters

HQ city

Neutraubling

HQ country

Germany

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premium Contributions: Statutory health insurance contributions collected from employees (14.6% general contribution rate) and employers, plus an individual additional contribution (2.2% from January 2026). Revenue also includes contributions from pensioners and students.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

Krones BKK is a closed company health insurance fund (Betriebskrankenkasse) that delivers mandatory statutory health insurance coverage exclusively to employees of Krones AG and its subsidiaries plus their family members, supplementing it with an above-average benefits package (bonus programs, prevention budgets, osteopathy, dental cleaning, travel vaccinations, family co-insurance) and digital health services (mobile app, electronic patient record, online psychotherapy, digital pain therapy, DiGA coverage).

Product overview

Krones BKK is a closed corporate health insurance (Betriebskrankenkasse) for employees of the Krones AG Group and their families, serving approximately 24,000 insured members. The company offers its core service of statutory health insurance combined with digital health products including the Krones BKK Service-App for mobile member services and the ePA (electronic patient record) for digital health data management. The digital health portfolio includes medicalmotion for AI-powered pain therapy, KIRINUS online psychotherapy, and coverage for DiGA (digital health applications). Additional benefits are delivered through the Bonusheft program, prevention courses, and premium health services including osteopathy, dental care, and back rehabilitation programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Krones BKK Service-App Mobile application for iOS and Android allowing insured members to manage personal data, submit invoices, upload photos for the electronic health card, order new cards, monitor application status, contact the insurance, and view preventive care overview. Authentication via Nect-App video verification, health ID, or online ID function with 2-factor authentication.
• ePA – Elektronische Patientenakte Electronic patient record providing a protected digital storage location for bundling and accessing medical information. Insured members control who can access which data and for how long, avoiding duplicate examinations. Available via smartphone or tablet through the Krones BKK Service App.
• medicalmotion digitale Schmerztherapie AI-supported digital pain therapy app combining physiotherapeutic exercises, mindfulness training, breathing techniques, and educational content. Continuously adapts therapy to the user's pain profile. Provides 24/7 physiotherapist chat support. Free for 6 months for insured members aged 18+ with diagnosed neuro-musculoskeletal conditions.
• KIRINUS Online-Psychotherapie Online psychotherapy platform offering up to 24 sessions for treatment of depression, anxiety disorders, obsessive-compulsive disorder, and eating disorders. Includes therapeutic intake interview, feedback between sessions, and up to 24 asynchronous digital therapy units. Delivered in partnership with KIRINUS Health GmbH.
• Digitale Gesundheitsanwendungen (DiGA) coverage Coverage of Digitale Gesundheitsanwendungen (DiGA) – medical-device-class applications prescribed by physicians for detection, monitoring, treatment, or alleviation of diseases. Krones BKK covers the costs of prescribed DiGA, including apps such as Cara Care for irritable bowel syndrome.
• Bonusheft (Bonus Book) / Bonusmodell Health bonus program rewarding preventive care and fitness activities. Members can earn up to 100 EUR in cash or up to 300 EUR as subsidy vouchers for additional health services by completing various health measures during the year.
• Präventionskurse und Aktivwoche (Prevention Courses & Health Vacations) Certified prevention courses in movement, nutrition, stress management, and addiction prevention (sourced from the Zentrale Prüfstelle Prävention database) plus certified Aktivwoche/WELL-AKTIV health vacations across Germany. Krones BKK reimburses 80% of course fees up to 200 EUR per calendar year and subsidizes Aktivwoche participation with 200 EUR.
• Premium Zusatzleistungen (osteopathy, dental cleaning, travel vaccinations, nutritional counseling, back rehabilitation) Premium enhanced benefits package covering osteopathy up to 300 EUR/year, professional teeth cleaning up to 40 EUR/year, 100% reimbursement for travel vaccinations, 80% reimbursement for nutritional counseling up to 200 EUR, and back rehabilitation programs. Provided as benefits beyond the statutory minimum.
• Statutory Health Insurance Membership (Krones Betriebskrankenkasse) Core statutory health insurance membership for employees of Krones AG and its listed subsidiaries plus family members. Funded via monthly contributions (general rate 14.6% + individual supplementary contribution 2.2% from 01.01.2026 = 16.80%, split between employer and employee) plus contributions from pensioners and students (99.35 EUR/month health + 35.91 EUR/month nursing care). Includes free family co-insurance for dependents and a 12-month binding period.

Quantifiable outcome

• Contribution rate 16.80% (below average statutory fund rate)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability3 records

Feature5 records

Partnerships

Four partnerships are on record, tiered core and minor.

• KIRINUS Health GmbHcoreStrategic or Co-development PartnerPartnership for online psychotherapy services offering up to 24 sessions for members with depression, anxiety, obsessive-compulsive, or eating disorders. Includes therapeutic intake interview, feedback between sessions, and up to 24 asynchronous digital therapy units.
• medicalmotioncoreStrategic or Co-development PartnerDigital pain therapy app for members with musculoskeletal conditions. Provides AI-supported exercises, mindfulness training, breathing techniques, and 24/7 physiotherapist chat. Free for 6 months for insured members aged 18+ with diagnosed conditions.
• BITMARCK Holding GmbHcoreTechnology or IntegrationIT service provider and data center operator for Krones BKK. Operates the certified data center where all member data is stored in specially secured environments. BITMARCK is a major IT service provider for German health insurance funds.
• Aktivwoche / WELL-AKTIV Program ProvidersminorChannel Partner/ Reseller/ DistributorHealth vacation providers certified by BKK association, offering activity weeks and compact health courses across Germany. Krones BKK subsidizes participation with 200 EUR.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bosch BKK: Closed Betriebskrankenkasse exclusively serving Robert Bosch GmbH employees and their families in Germany. Operates the same closed-company BKK model as Krones BKK with comparable on-site distribution at Bosch works and similar statutory insurance product set.
• Siemens BKK (SBK): Closed BKK for Siemens AG employees and dependents, one of the largest company health insurance funds in Germany with ~1 million insured. Closest structural analog to Krones BKK — closed corporate fund tied to a major German industrial employer with digital service and additional benefits programs.
• Mercedes-Benz BKK: Closed Betriebskrankenkasse for Mercedes-Benz Group employees and their families. Operates the same anchor-employer model in the automotive/manufacturing sector with similar on-site consultation and statutory + extra benefits framework.
• Allianz BKK: Closed BKK for Allianz Group employees in Germany. Same structural model (closed corporate fund for a single corporate group's employees) with comparable additional benefits, prevention budgets, and digital service channels.
• Mobil Krankenkasse: Formerly Volkswagen BKK, originally a closed corporate fund that has since opened to the public. Provides a direct precedent for what Krones BKK's structural evolution could look like if membership dynamics shift, while remaining a statutory health insurer with similar product portfolio.

Broad incumbents

• Pronova BKK: Open Betriebskrankenkasse of broadly comparable size in the German statutory market. Operates with similar product features (bonus programs, DiGA coverage, digital service apps) but competes for the open market rather than being tied to a single employer.
• Novitas BKK: Open BKK serving members across Germany with similar statutory insurance product set plus additional benefits and digital services. Comparable in scale and product philosophy, useful as a benchmark for what Krones BKK would face if it were to open membership.
• Techniker Krankenkasse (TK): Largest statutory health insurer in Germany with ~11 million insured. Provides the competitive benchmark on digital services (TK-App, ePA, teleconsultation), pricing, and additional benefits that even closed BKKs must position against to retain members.
• Barmer: One of Germany's largest statutory health insurers (~8.5 million insured) operating nationwide. Sets the bar on digital member services, bonus programs, and additional benefits against which Krones BKK's value proposition is implicitly compared by Krones AG employees.

Regional players

• AOK Bayern: Regional statutory health insurer for Bavaria, headquartered in the same geography as Krones BKK's Neutraubling HQ. A leading competitor for Krones AG employees' choice of statutory insurer and a regional benchmark for contribution rates and additional benefits in Krones BKK's core market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubevimeo.com/user101512274
• LinkedInlinkedin.com/company/krones-bkk

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 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 Krones BKK