vivida bkk

What vivida bkk does

vivida bkk is a German statutory health insurance fund (Betriebskrankenkasse) organized as a Körperschaft des öffentlichen Rechts (corporation under public law), headquartered in Villingen-Schwenningen and operating under the supervision of the Bundesamt für Soziale Sicherung. The fund employs approximately 800 health experts and serves around 310,000 insured persons across Germany, providing statutory health and nursing care insurance with mandatory enrollment coverage for employees below income thresholds.

The core product ecosystem is built around a digital-first platform consisting of the vivida bkk mobile app (iOS/Android), the "Meine vivida bkk" online portal, and the Elektronische Patientenakte (ePA) integrated with the German telematics infrastructure (TI) via gematik-certified modules including E-Rezept and TI-Messenger. Underlying technology is operated through BITMARCK GmbH as the core ePA infrastructure partner, with AWS CloudFront for content delivery and Matomo for first-party analytics. Adjacent member-facing services include TeleClinic 24/7 video consultations, the digital.gesund health literacy platform, multiple bonus programs (AktivBonus, AktivPlus, etc.), free health courses (online and in-person), and the Vivi chatbot for automated customer service. Business customers are served via a dedicated Firmenkundenportal targeting employer-side HR and benefits administration.

Revenue is generated through three primary streams: statutory health insurance contributions collected via employer-employee payroll (subject to the legally fixed 14.6% contribution rate plus individual supplemental rates), commissions from brokering supplementary insurance under §194 Abs. 1a SGB V as a licensed §34d GewO agent, and federal subsidies including risk structure compensation (Risikostrukturausgleich). Pricing for the core insurance product is not commercially determined but set by German regulation; ancillary services follow fixed reimbursement schedules (e.g., 80-100% up to €150 per health course, €300 annual maximum; €30 referral bonus). The customer base spans employees, families, retirees, students, employers (B2B), and care recipients, distributed across Germany with no geographic concentration beyond the headquarter region.

Name

vivida bkk

Legal name

vivida bkk

Website

https://vividabkk.de

Company type

Private

Founded year

1896

Operating status

Operating

Headcount range

501–1,000 employees

Short description

vivida bkk is a German statutory health insurance fund (Betriebskrankenkasse) operating as a public-law corporation, serving approximately 310,000 insured persons nationwide through digital-first services including a mobile app, electronic patient record (ePA), 24/7 TeleClinic video consultations, bonus programs, and a health literacy platform.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

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

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industry

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

Keywords

• Statutory health insurance
• Health insurance coverage
• Nursing care insurance
• Preventive health services
• Digital health platform

Headquarters

HQ city

Villingen-schwenningen

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: Primary revenue from statutory health insurance contributions collected from employees and employers. As a statutory health insurance fund (gesetzliche Krankenkasse), revenue is derived from contribution payments based on insured income.
2. Supplementary Insurance Brokerage: Revenue from brokering supplementary health insurance policies under §194 Abs. 1a SGB V. Licensed insurance agent under §34d GewO.
3. Government Health Fund Subsidies: Federal subsidies and risk structure compensation (Risikostrukturausgleich) from the national health fund.

Pricing tiers

Go-to-market motion4 records

Distribution channels6 records

Marketing channels8 records

Core offering

vivida bkk is a German statutory health insurance fund (Betriebskrankenkasse) organized as a Körperschaft des öffentlichen Rechts, providing mandatory health and nursing care insurance coverage to approximately 310,000 insured persons across Germany. The fund delivers statutory medical coverage, preventive care, family insurance, dental benefits, and care services, complemented by digital offerings such as a mobile app, electronic patient record (ePA), TeleClinic video consultations, bonus programs, and health courses.

Product overview

vivida bkk is a German statutory health and nursing care insurance provider (Betriebskrankenkasse) offering a unified digital platform centered on the vivida bkk-App, complemented by the Online-Geschäftsstelle 'Meine vivida bkk' portal. The core product ecosystem includes the Elektronische Patientenakte (ePA) for electronic health record management, the Online-Postfach for digital mail delivery, and the Bonusprogramm for rewarding health activities. Digital health services are enhanced through digital.gesund (a health literacy knowledge platform), TeleClinic (24/7 video doctor consultations), Online-Veranstaltungen (free webinars), and Gesundheitskurse (both online and in-person health courses). The ePA application includes the E-Rezept-Modul for electronic prescriptions and TI-Messenger for secure healthcare communications. All services are accessible via mobile app, web portal, and desktop applications for iOS, Android, Windows, macOS, and Linux.

Differentiator

Problem solved

Functional benefit

Products and services

• Statutory Health and Nursing Care Insurance

Quantifiable outcome

• 310,000 insured persons served
• +3 more outcomes

Named customers1 record

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature6 records

Partnerships

Three partnerships are on record, tiered core and minor.

• BITMARCK GmbHcoreTechnology or IntegrationBITMARCK GmbH (Krupp-Straße 64, 45145 Essen) serves as the operator and technology partner for the ePA (electronic patient record) app. They handle IAM module, data storage in their German data centers (RZ Essen, RZ Hamburg), and the overall ePA infrastructure including the Aktensystem and encryption services.
• IMK Institut (IMK GmbH)minorImplementation/ SI/ Consulting PartnerCustomer satisfaction survey partner located at Maximilian-Welsch-Straße 6, 99084 Erfurt. Conducts and analyzes customer satisfaction surveys (ECHO) for vivida bkk. All survey data processed on servers in Germany under GDPR-compliant data processing agreement.
• gematik GmbHcoreTechnology or IntegrationFederal agency responsible for developing and specifying standards for the German telematics infrastructure (TI), including ePA, eRezept, and TI-Messenger. All ePA apps must comply with gematik specifications and undergo certification.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Barmer Krankenkasse: Second-largest German SHI fund with ~8.5 million members, also operating nationally under the same risk structure compensation. Competes head-to-head with vivida bkk for employer-sponsored member enrollment and offers parallel digital health services.
• Techniker Krankenkasse (TK): Largest German statutory health insurance fund with ~11 million members. Operates under the same SHI regulatory framework as vivida bkk, offers digital-first services, employer portals, and competes for the same employer-sponsored member pool nationwide.
• KKH Kaufmännische Krankenkasse: Mid-sized German statutory health fund with ~1.6 million members, primarily white-collar employees. Closely comparable in scale (310k vs 1.6m), same SHI legal framework, and similar digital-first branding approach.
• DAK-Gesundheit: Major nationwide German statutory health insurance fund with ~5.5 million members. Operates the same statutory framework, employer relationships, and digital services portfolio — directly comparable member profile and GTM motion to vivida bkk.
• HEK Hanseatische Krankenkasse: Mid-sized German statutory health insurance fund operating under identical SHI framework. Direct comparable in scale, employer-sponsored enrollment, and supplementary insurance offering model.
• SBK (Siemens-Betriebskrankenkasse): Large Betriebskrankenkasse with ~1 million insured persons. Same statutory BKK legal form, employer-sponsored model, and digital service strategy; competes with vivida bkk in the BKK sub-segment for member enrollment.
• pronova BKK: Another Betriebskrankenkasse (BKK) statutory fund, the same legal form as vivida bkk, with ~660k insured persons and a comparable employer-sponsored and digital-services profile. Direct competitor in the BKK sub-segment.
• IKK classic: Largest IKK (Innungskrankenkasse) trade-affiliated statutory fund with ~3 million members. Shares the same SHI regulatory environment, employer-sponsored enrollment, and digital health service strategy as vivida bkk.
• AOK Baden-Württemberg: Regional AOK statutory health fund headquartered in Baden-Württemberg, the same federal state where vivida bkk operates. Over 4.5 million insured, identical SHI contribution framework, and direct competitor for employer-sponsored groups in the regional market.

Broad incumbents

• DRV (Deutsche Rentenversicherung) Bund: Federal German institution for statutory pension insurance. Adjacent in the German social insurance system (pension insurance alongside health/nursing care insurance) and shares the Körperschaft des öffentlichen Rechts structure with vivida bkk, though its core business is pension rather than health coverage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights8 records

Customer concentration

• Xx.com/vividabkk
• YouTubeyoutube.com/c/vividabkk
• Facebookfacebook.com/vividabkk
• LinkedInlinkedin.com/company/vividabkk
• Instagraminstagram.com/vividabkk

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 vivida bkk