Betriebskrankenkasse firmus

What Betriebskrankenkasse firmus does

Betriebskrankenkasse firmus (BKK firmus) is a German statutory health insurance provider headquartered in Bremen and organized as a Körperschaft des öffentlichen Rechts — a self-governing public-law corporation without private shareholders, supervised by the Bundesamt für soziale Sicherung. Founded in 1841 and operating with 251-500 administrative employees, the fund serves individual insurees across Germany, with a primary service footprint of 11 service centers (Servicestellen) concentrated in the Niedersachsen-Bremen region, including dedicated centers in Bremen and Osnabrück. Its insured base spans apprentices, employees, families, students, self-employed individuals, and retirees, all enrolled under Germany's regulated statutory health insurance framework with contributions set at a 14.6% general rate plus a 2.18% additional contribution split between employer and employee.

BKK firmus operates a digital portfolio centered on the OnlineService Web portal and native iOS/Android apps, a branded Elektronische Patientenakte (ePA) app for electronic health record access (also available on Microsoft Store), a Bild-Uploadtool for eGK photo submission, and online calculators (Beitrags-Vorteilsrechner and Zusatzleistungs-Rechner) that quantify member savings and benefits value. Beyond core statutory coverage, the fund layers additional services: occupational health management (Betriebliches Gesundheitsmanagement) for employers, preventive health courses (Präventionskurse) with up to €120 subsidy per course, rehabilitation and spa services (Kuren und Vorsorgemaßnahmen), a climate-neutral certification from DIOP for 2026/2027, and a partnership ecosystem including INTER Versicherungsgruppe for supplementary insurance, DentNet for dental services, AKON for prevention events, and discovering hands for tactile breast screening.

The revenue model is subscription-style statutory contribution collection, calculated as a regulated percentage of gross income, supplemented by employer-paid shares and partner-driven supplementary insurance commissions. As a non-profit public-law entity, the fund reinvests any surplus into benefits and operations rather than distributing profit. Distribution is hybrid: 11 physical service centers provide face-to-face support while digital channels (web, mobile app, phone, employer site visits) handle the majority of self-service interactions. Marketing leverages a multi-channel approach spanning SEO, organic social (Facebook, Instagram, LinkedIn, Xing, YouTube), email newsletters, the "Gesundheit" online magazine, and content tools, supported by a strong employer brand (consecutive Great Place to Work awards 2023-2025) and consumer validation (20,419 "sehr gut" Proven Expert reviews).

Name

Betriebskrankenkasse firmus

Legal name

Betriebskrankenkasse firmus

Website

https://bkk-firmus.de

Company type

Private

Founded year

1841

Operating status

Operating

Headcount range

251–500 employees

Short description

Betriebskrankenkasse firmus is a German statutory health insurance fund (Betriebskrankenkasse) organized as a public-law corporation, providing regulated health coverage plus supplementary benefits to individual members, families, and employers across Germany through 11 regional service centers and digital channels.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

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

SIC

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

akta.pro primary industry

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

Keywords

• Statutory health insurance
• Gesetzliche Krankenversicherung
• Supplementary health benefits
• Occupational health management
• Electronic health records

Headquarters

HQ city

Bremen

HQ country

Germany

HQ region

Europe

Offices3 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: As a statutory health insurance provider (Gesetzliche Krankenkasse), BKK firmus generates revenue through member contributions calculated as a percentage of gross income. The contribution rate consists of a general contribution rate (14.6%) plus an additional contribution (2.18%), with costs split equally between employer and employee.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

Betriebskrankenkasse firmus (BKK firmus) is a German statutory health insurance fund (gesetzliche Krankenkasse) that provides mandatory health insurance coverage to members, including employees, families, apprentices, students, self-employed persons, and retirees. It underwrites statutory health insurance contributions, manages member accounts, processes claims and illness notifications, delivers supplementary benefits (preventive courses, Kuren/rehabilitation, dental programs via DentNet, supplementary insurance via INTER partnership), and supports employers through Betriebliches Gesundheitsmanagement. Members access services through 11 physical service centers, a web portal, and native iOS/Android apps.

Product overview

Betriebskrankenkasse firmus (BKK firmus) is a German statutory health insurance provider (Betriebskrankenkasse) offering a unified portfolio of core health insurance services supported by digital member-facing products and partner networks. The primary digital platform is the OnlineService (available as both Web portal and native iOS/Android app), which serves as the central hub for member self-service. This is complemented by the Elektronische Patientenakte (ePA) app for electronic health record access and specialized tools including Bild-Uploadtool for health card photo submission and online calculators (Beitrags-Vorteilsrechner, Zusatzleistungs-Rechner) for benefits calculation. The offering extends to employer services through Betriebliches Gesundheitsmanagement (BGM), preventive health courses (Präventionskurse), and rehabilitation services (Kuren und Vorsorgemaßnahmen). A key partner network is DentNet for dental services and a strategic partnership with INTER Versicherungsgruppe for supplementary insurance products. The company operates 11 service centers across Germany with digital accessibility statements covering the main website, OnlineService, and ePA app.

Differentiator

Problem solved

Functional benefit

Products and services

• OnlineService Web & App A comprehensive digital self-service platform enabling members to manage insurance matters online. The Web portal and native mobile app (iOS/Android) allow users to submit address changes, request membership certificates, transmit bonus booklets, file illness notifications, exchange secure messages, and submit receipts digitally.
• Elektronische Patientenakte (ePA) App BKK firmus's branded app for the German electronic health record (ePA). Available for iOS, Android, and Microsoft Store, the app allows insured persons to access and manage their digital health documents including prescriptions, medical reports, and vaccination records.
• Bild-Uploadtool An online photo upload tool enabling members to submit a passport photo digitally for their electronic health card (eGK). Guides users through the upload process with step-by-step instructions and progress indicators.
• Beitrags-Vorteilsrechner An online contribution advantage calculator allowing prospective members to estimate their annual savings potential when switching to BKK firmus, based on gross income and current health insurance provider.
• Zusatzleistungs-Rechner An online calculator for additional benefits that helps members calculate the value of supplementary services offered by BKK firmus, enabling comparison of benefits against premium costs.
• Betriebliches Gesundheitsmanagement (BGM) A comprehensive occupational health management service for employers. Includes support for workplace health promotion, employer seminars, RV-träger examination assistance, digital document exchange, and individualized social security consultation.
• Kuren und Vorsorgemaßnahmen Prevention and rehabilitation services including ambulatory and stationary spa treatments, mother/father-child preventive measures, and subsidies for health courses at recognized spa locations.
• Präventionskurse Preventive health courses covering movement, relaxation, and nutrition. BKK firmus sponsors up to 120 EUR per course for two courses annually, with participation certification at 80% attendance required.
• DentNet Kooperation A dental provider network partnership offering BKK firmus members free annual professional teeth cleaning, zero-euro co-payment dental prosthetics with bonus booklet, fixed-price implants at 1,600 EUR per implant, and orthodontic aligners for adults.
• Zusatzversicherungen (INTER Kooperation) Strategic partnership with INTER Versicherungsgruppe offering supplementary insurance products including dental insurance, hospital add-on insurance, ambulatory supplementary insurance, daily hospital allowance, travel health insurance, daily sickness benefit, and nursing care daily allowance.

Quantifiable outcome

• Certified as one of Germany's best employers (2023, 2024, 2025 by Great Place to Work)
• +2 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

Feature4 records

Partnerships

Four partnerships are on record, tiered core and minor.

• INTER VersicherungsgruppecoreStrategic or Co-development PartnerStrategic partnership for supplementary insurance products (Zusatzversicherungen). BKK firmus collaborates with INTER to offer supplemental insurance coverage to its members beyond the standard statutory health insurance benefits.
• DentNetminorStrategic or Co-development PartnerDental network partnership providing members with access to a network of dental care providers and potentially discounted dental services.
• AKONminorStrategic or Co-development PartnerPartnership for prevention events (Präventionsveranstaltungen). AKON provides health prevention programs and events for BKK firmus members.
• discovering handsminorStrategic or Co-development PartnerBreast cancer screening partnership. discovering hands trains blind and visually impaired women to perform clinical breast examinations, offering enhanced tactile screening services to BKK firmus members.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• hkk Krankenkasse: Regional statutory health insurer headquartered in Bremen with a comparable Niedersachsen-Bremen footprint and similar scale to BKK firmus. Direct head-to-head competitor for the same regional employer and member base.
• SBK (Siemens-Betriebskrankenkasse): Large Betriebskrankenkasse operating as a statutory health insurer with strong digital focus. Closely comparable to BKK firmus in the BKK legal form and target audience (employer-sponsored members and families), though with broader national reach.
• AOK Bremen/Bremerhaven: Regional AOK statutory health insurer covering the same Bremen territory as BKK firmus. Direct local competitor offering the same statutory benefits plus supplementary services to overlapping employer and member segments.
• HEK Hanseatische Krankenkasse: Hanseatic statutory health insurance fund comparable to BKK firmus in operating model (gesetzliche Krankenkasse), supplementary benefit strategy, and digital member services. Regional peer with similar scale profile.
• KKH Kaufmännische Krankenkasse: Mid-sized statutory health insurance fund operating under the same gesetzliche Krankenkasse framework. Closely comparable to BKK firmus in scale, employer-sponsored positioning, and digital/branch service model.
• Audi BKK: Another Betriebskrankenkasse operating as a statutory health insurer, comparable to BKK firmus in legal form, contribution-rate-driven positioning, and focus on employer-sponsored and family member acquisition.

Broad incumbents

• Techniker Krankenkasse (TK): Germany's largest statutory health insurance fund with over 10 million members. Directly comparable as a gesetzliche Krankenkasse competing in the same employer-sponsored statutory framework, with national scale that dwarfs BKK firmus's regional footprint.
• Barmer: One of Germany's largest statutory health insurers (over 8 million members), operating under the same SGB framework as BKK firmus. Comparable in product offering (statutory plus supplementary benefits) and digital member-services strategy.
• DAK-Gesundheit: Major national statutory health insurance fund with several million members, competing head-to-head with BKK firmus in the same German statutory market with similar employer-sponsored and family-coverage propositions.

Regional players

• IKK Nord: Statutory health insurance fund serving northern Germany (Schleswig-Holstein, Hamburg, Mecklenburg-Vorpommern). Operates under the same SGB framework as BKK firmus but with an adjacent rather than overlapping geographic footprint.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC_vL3v1WgpwLCgjNsPFBgSA/feed
• Facebookfacebook.com/GesundheitIstOrange
• LinkedInlinkedin.com/company/bkk-firmus
• Instagraminstagram.com/bkkfirmus

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Betriebskrankenkasse firmus