vivida bkk
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.
- Company typePrivate
- Founded1896
- HeadquartersVillingen-schwenningen, Germany
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
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.
vivida bkk firmographics
Firmographics- 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
vivida bkk industry classification
Industry- 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
Where vivida bkk is headquartered
LocationHeadquarters
- HQ city
- Villingen-schwenningen
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
vivida bkk business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- 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.
- Supplementary Insurance Brokerage: Revenue from brokering supplementary health insurance policies under §194 Abs. 1a SGB V. Licensed insurance agent under §34d GewO.
- Government Health Fund Subsidies: Federal subsidies and risk structure compensation (Risikostrukturausgleich) from the national health fund.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Statutory Health Insurance - Standard Contribution Rate |
| Hybrid | Pay-as-you-go | Health Course Reimbursement |
| Unit Pricing | Pay-as-you-go | Customer Referral Program |
| Subscription | Monthly | Family Insurance |
Go-to-market motion4 records
Distribution channels6 records
Marketing channels8 records
vivida bkk product offering
Product offeringCore 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
Companies that use vivida bkk
Customer profileNamed customers1 record
Segments6 records
Ideal customer profiles2 records
vivida bkk technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration9 records
AI capability2 records
Feature6 records
vivida bkk partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- BITMARCK GmbHcoreBITMARCK 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)minorCustomer 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 GmbHcoreFederal 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
vivida bkk competitors and assessment
Company assessmentDirect 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
vivida bkk social profiles
Digital presencevivida bkk compliance and trust
Trust signalCompliance5 records
vivida bkk financial estimates
Financial estimateRevenue estimate
Valuation estimate
vivida bkk leadership team
Management profileNumber of profiles
Profiles1 record
vivida bkk funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
vivida bkk 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 vivida bkk
What does vivida bkk do?
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.
Is vivida bkk a public or private company?
vivida bkk is a private company. It is classified as state government owned and is currently operating.
When was vivida bkk founded?
vivida bkk was founded in 1896. It employs 501 to 1,000 people.
Where is vivida bkk based?
vivida bkk is headquartered in Villingen-schwenningen, Germany, in the Europe region.
How does vivida bkk make money?
Three revenue lines are on record. Statutory Health Insurance Contributions are the primary driver. The others are supplementary Insurance Brokerage and government Health Fund Subsidies.
Who are vivida bkk's main competitors?
Direct peers on record are Barmer Krankenkasse, Techniker Krankenkasse (TK), KKH Kaufmännische Krankenkasse, DAK-Gesundheit, HEK Hanseatische Krankenkasse, SBK (Siemens-Betriebskrankenkasse), pronova BKK, IKK classic and AOK Baden-Württemberg. DRV (Deutsche Rentenversicherung) Bund is listed as a broad incumbent.
Does vivida bkk have an API?
No public API is recorded for vivida bkk.
What industry is vivida bkk in?
vivida bkk's product category is Statutory Health Insurance. Its primary akta.pro industry code is FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts), with a secondary code of FSAIAKAD, Group/Employer-Sponsored Critical Illness & Hospital Indemnity. Its NAICS code is 524114 and its SIC code is 6321.