What BAHN-BKK does

BAHN-BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) organized as a Körperschaft des öffentlichen Rechts (public law corporation) under state supervision by the Bundesamt für Soziale Sicherung in Bonn. Headquartered at Franklinstraße 50, 60486 Frankfurt am Main, the fund traces its origin to statutory health insurance for employees of the German railway industry and now serves members across all of Germany. It is open to the general public via digital membership declarations and supports 16 languages on its website. The organization is led by Vorstandsvorsitzende (Chairwoman) Christine Enenkel and Vorstand (Board Member) Dominik Dany, with contact operations at a PostCenter in Münster.

The company's core product is statutory health and long-term care insurance coverage, delivered through a digital-first member platform built around the BAHN-BKK App, the NFC-equipped electronic health card (eGK), and integration with Germany's Telematik-Infrastruktur. The platform spans E-Rezept (electronic prescription), Elektronische Patientenakte (ePA für alle), Elektronischer Medikationsplan (eMP), Notfalldatensatz (NFD), Elektronische Arbeitsunfähigkeitsbescheinigung (eAU), DiGA (BfArM-approved prescribable digital health apps), and telemedicine applications. Supplementary medical services are delivered via the partnership with MD Medicus under the InfoMedicus brand: worldwide free health hotline, video consultation, second medical opinions, specialist appointment scheduling within 4 business days (FacharztPlus), medical translation, and Elterntelefon for parents of children up to 12 months. Distribution combines website (with eFiliale self-serve), mobile app, toll-free hotline 0800 22 46 255 (daily 8 AM–8 PM), chat, VideoChat, nationwide ServicePunkte, social media (Facebook, Instagram), the quarterly pulsprivat customer magazine, and a Kunden werben Kunden (customer referral) program.

BAHN-BKK generates revenue primarily through statutory health insurance contributions (Beiträge) calculated as a percentage of gross income and shared between employer and employee under federal law, supplemented by long-term care insurance contributions via its wholly-owned BAHN-BKK Pflegekasse subsidiary and referral/affiliate commissions from the DEVK Versicherungen Krankenzusatzversicherung partnership. Family members are covered free of charge under Familienversicherung. Customer acquisition runs through direct-to-consumer digital channels plus the residual railway-industry affiliation and is reinforced by four 2025 Testsieger/O awards: DEUTSCHLAND TEST (highest customer orientation), CHIP.de (best statutory insurer for digital service offerings), and ELTERN magazine (5 stars in Schwangerschaft & Geburt and Eltern & Kind). Pricing for statutory coverage is not set by BAHN-BKK but is mandated federally; non-pricing competitive levers include the Gesundheitsbonus program (€30 per activity for first 3 activities per year, €5 thereafter) and bonus programs for pregnancy (Mamabonus) and youth (Jugendbonus).

Name

BAHN-BKK

Legal name

BAHN-BKK

Website

https://bahn-bkk.de

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Short description

BAHN-BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) organized as a public-law corporation, headquartered in Frankfurt am Main and serving individual members nationwide. It delivers digital-first health coverage via the BAHN-BKK App, electronic health card, and full integration with Germany's Telematik-Infrastruktur, including ePA, E-Rezept, eAU, and partner-staffed InfoMedicus services.

Ownership category

akta.pro rank

Headquarters

HQ city

Laigné-en-belin

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: BAHN-BKK is a statutory health insurance provider (gesetzliche Krankenversicherung) in Germany. Revenue is generated through statutory health insurance contributions (Beiträge) collected from employed members and employers. Contributions are calculated as a percentage of gross wages/salary, with the rate set by the German government. The company also acts as an output agency (Einzugsstelle) for collecting total social security contributions.
2. Supplementary Health Insurance Referrals (DEVK Partnership): BAHN-BKK partners with DEVK Versicherungen to offer supplementary health insurance products. BAHN-BKK refers members to DEVK for supplementary coverage, generating referral/affiliate revenue.
3. Care Insurance Contributions (Pflegekasse): BAHN-BKK also operates BAHN-BKK Pflegekasse (social care insurance), generating revenue through statutory long-term care insurance contributions.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

BAHN-BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) that delivers mandatory health and long-term care insurance coverage to individuals and families through a digital-first service model. It combines traditional statutory contributions with a mobile app, NFC-enabled electronic health card, telemedicine partnerships, preventive-care bonus payments, and DEVK-branded supplementary insurance products, operating nationwide under the supervision of the Bundesamt für Soziale Sicherung.

Product overview

BAHN-BKK is a German statutory health insurance provider (gesetzliche Krankenkasse) offering a platform-based digital health ecosystem. The core offering centers on the BAHN-BKK App as the primary member interface, supplemented by NFC-enabled electronic health card (eGK) infrastructure and connectivity to the national Telematik-Infrastruktur. Key digital products include E-Rezept (electronic prescription), Elektronische Patientenakte (ePA, electronic health records), Elektronischer Medikationsplan (eMP, medication management), Notfalldatensatz (NFD, emergency medical data), and Elektronische Arbeitsunfähigkeitsbescheinigung (eAU, digital sick notes). Premium services include InfoMedicus health hotline and video consultation (via MD Medicus partnership), DiGA digital health applications, and the Gesundheitsbonus reward program. Additional offerings span alternative therapies (osteopathy, homeopathy), preventive care (health courses and travel), and DEVK supplementary insurance products.

Differentiator

Problem solved

Functional benefit

Brands

• pulsprivat: Quarterly customer magazine provided free of charge to members, available via postal delivery, ePaper, or PDF download
• InfoMedicus

Products and services

• Statutory Health Insurance (Gesetzliche Krankenversicherung) Comprehensive statutory health and nursing-care insurance coverage for individuals and families in Germany, providing access to the full GKV benefits catalogue, free family co-insurance, and additional supplementary benefits such as bonus programmes and alternative-medicine coverage.
• BAHN-BKK Pflegekasse (Long-Term Care Insurance) Statutory long-term care insurance covering ambulatory, inpatient, hospice, and palliative care, as well as advisory services through BAHN-BKK Pflegeberatung, operated as a wholly owned subsidiary function.
• BAHN-BKK App Member-facing mobile application available on iOS and Android providing self-service insurance administration, document uploads, application-status viewing, electronic illness certificate submission, medication management, and integration with the electronic health card, ePA, and E-Rezept.
• Elektronische Gesundheitskarte (eGK) Electronic health insurance identification and access card with NFC chip providing PIN-protected access to digital health applications (ePA, E-Rezept, eMP, NFD) on Germany's Telematik-Infrastruktur.
• InfoMedicus Gesundheitshotline Free worldwide medical assistance hotline providing round-the-clock medical advice, video consultations, second opinions, medical translation, parent support for infants under 12 months, and guaranteed specialist appointment scheduling within four business days, delivered in partnership with MD Medicus.
• Digitale Gesundheitsanwendungen (DiGA) Reimbursement programme for BfArM-approved digital health applications (apps on prescription) supporting disease detection, monitoring, treatment, and rehabilitation, available to insured members with or without a medical prescription.
• Gesundheitsbonus (Health Bonus Programme) Bonus programme rewarding insured members for completing qualifying health activities with cash payments of EUR 30 for each of the first three activities in a calendar year and EUR 5 for each additional activity thereafter.
• Mamabonus (Pregnancy Bonus) & Jugendbonus (Youth Bonus) Targeted cash incentive programmes for expectant mothers (Mamabonus distributed across four qualifying examinations) and adolescents completing preventive check-ups (Jugendbonus), rewarding participation in pregnancy care and youth preventive care.
• Krankenzusatzversicherung DEVK (Supplementary Health Insurance) Supplementary health insurance products offered via partnership with DEVK Versicherungen, providing additional dental coverage (up to EUR 160/year for professional teeth cleaning in the top tariff) and alternative-medicine benefits, with referral commissions flowing to BAHN-BKK.
• Gesundheitskurse & -reisen (Health Courses & Preventive Travel) Preventive health courses and travel programmes subsidised by BAHN-BKK as part of statutory prevention benefits, supporting member wellness and lifestyle management.
• Elterntelefon (Parent Hotline via InfoMedicus) Specialised telephone advice channel for parents covering pregnancy-related questions and infant health conditions for children up to 12 months of age, delivered via the InfoMedicus partnership with MD Medicus.

Quantifiable outcome

• €30 bonus per activity for first 3 health activities per year, €5 per additional activity – potentially up to €105+ per year through the Gesundheitsbonus program
• +3 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature13 records

Partnerships

Four partnerships are on record, tiered core and minor.

• MD Medicus Gesellschaft für medizinische Serviceleistungen mbHcoreStrategic or Co-development PartnerMD Medicus provides InfoMedicus – a worldwide free medical hotline for BAHN-BKK members. The partnership includes video consultation (Videosprechstunde), second medical opinions (Ärztliche Zweitmeinung), medical translation service, parent telephone (Elterntelefon) for children up to 12 months, and FacharztPlus specialist appointment scheduling within 4 business days. Services are provided under a 'Besondere Versorgung' (special care) contract. InfoMedicus operates under strict medical confidentiality and is not permitted to share detailed consultation data with BAHN-BKK.
• DEVK VersicherungencoreChannel Partner/ Reseller/ DistributorDEVK is a partner for supplementary health insurance (Krankenzusatzversicherung) products offered to BAHN-BKK members. DEVK provides supplementary dental insurance (up to €80/year base tariff, up to €160/year supplementary tariff for professional teeth cleaning), as well as coverage for alternative treatments. BAHN-BKK refers its members to DEVK for these products.
• Facebook Ireland Ltd.minorGTM or Marketing PartnerBAHN-BKK operates Facebook and Instagram pages as joint controllers with Facebook Ireland Ltd. under a Page Controller Addendum per GDPR Art. 26. Facebook provides Insights statistics about page visitors. BAHN-BKK uses Facebook Custom Audience based on engagement data for targeted communication about new posts and company updates.
• Deutsche Blindenstudienanstalt e.V. (blista)minorStrategic or Co-development PartnerThe German Blind Studies Institution (blista) conducted the BIK BITV-Test accessibility audit of BAHN-BKK's website in August 2025, testing compliance with BITV 2.0 and EN 301 549 accessibility standards.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• IKK classic: Largest 'Innungskrankenkasse' (industry health insurance fund) in Germany with ~3 million members, offering the same statutory health insurance product as BAHN-BKK. Directly comparable operating model as an industry-tied Krankenkasse competing on digital services and bonus programs.
• Audi BKK: Industry-based statutory health insurance fund with ties to Audi/automotive sector, analogous to BAHN-BKK's railway-sector heritage. Direct peer as a Betriebskrankenkasse operating in the same statutory framework with comparable scale and digital service offerings.
• Barmer: One of Germany's largest statutory health insurers (~8 million members) offering the same gesetzliche Krankenversicherung product as BAHN-BKK. Directly comparable in digital-service offering (app, telematics integration, bonus programs) and competes for the same family and digitally-engaged customer segments.
• DAK-Gesundheit: Major German statutory health insurer (~5 million members) offering the same Krankenkasse product as BAHN-BKK. Comparable in digital services, bonus programs, and supplementary benefits, and competes for switchers in the open German statutory market.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurer with ~11 million members, offering the same statutory Krankenkasse product and competing head-to-head with BAHN-BKK for members in the open-switch market. Comparable digital services portfolio (app, ePA, E-Rezept) and operates under identical federal contribution-rate framework.
• pronova BKK: Industry-based statutory health insurance fund serving corporate groups nationwide, directly comparable to BAHN-BKK as a BKK-type statutory insurer. Competes in the same open-switch market on digital services, bonus programs, and family benefits.
• KKH Kaufmännische Krankenkasse: Statutory health insurer focused on white-collar and commercial employees with ~1.5 million members, offering the same statutory product as BAHN-BKK. Directly comparable in digital-service maturity, bonus programs, and family-focused benefits.
• Mobil Krankenkasse: Industry-based statutory health insurance fund serving members nationwide, comparable to BAHN-BKK as a BKK-type fund. Competes in the same open statutory market with similar digital-service positioning and bonus program structure.
• SBK (Siemens-Betriebskrankenkasse): Statutory health insurance fund with historical roots in Siemens, similar to BAHN-BKK's Deutsche Bahn heritage as a Betriebskrankenkasse for a major industrial employer. Direct peer in product offering (statutory KV), digital services, and corporate-tied member acquisition.

Broad incumbents

• AOK (Allgemeine Ortskrankenkasse): Federation of 11 regional statutory health insurance funds covering ~27 million members in Germany, making AOK the dominant system-wide incumbent. AOK competes with BAHN-BKK in the same statutory market but at significantly larger scale, with regional funds offering the same statutory product alongside broader public-sector ties.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/bahnbkk
• Instagraminstagram.com/bahn_bkk
• Xx.com/bahnbkk

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 records

Subsidiaries1 record

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 BAHN-BKK