R+V BKK

What R+V BKK does

R+V BKK (legal name R+V Betriebskrankenkasse) is a German statutory health insurance fund established in 1992 as a public-law corporation (Körperschaft öffentlichen Rechts) and operating under the supervision of the Bundesamt für Soziale Sicherung. Originally founded as the company health fund for R+V Versicherung AG, the fund has been open nationwide since 2002 and serves individual members across all German federal states rather than being confined to a single employer. It is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative financial network, with a wholly owned nursing care subsidiary (R+V BKK Pflegekasse) running the parallel statutory Pflegeversicherung.

The core product offering is statutory health insurance (gesetzliche Krankenversicherung) providing medical, hospital, dental, preventive, and rehabilitative coverage funded through legally mandated income-based contributions split with employers. Statutory benefits are uniform across funds, so competitive positioning centers on supplementary services: digital health platforms (TeleClinic telemedicine, medicalmotion individualized pain therapy, Gro Health weight management), Online-Kurse wellness courses, the Medline medical telephone advisory line, the BKKiNFORM member magazine, and an Online-Services portal anchored by the protected 'Meine R+V BKK' self-service area. The technical stack relies on third-party integrations (econda analytics, meetergo scheduling, onlyfy recruitment, Eye-Able accessibility, Friendly Captcha, CleanTalk) rather than proprietary engineering, with only a chatbot (Rubi) and basic electronic patient record (ePA) administrative tooling representing internally built digital assets.

Revenue is generated from member contributions (mandatory statutory rate plus a fund-specific Zusatzbeitrag), supplementary insurance brokerage, and Pflegekasse nursing care contributions. Distribution is digital-first (online membership application, paid search, social media, self-service portal) supplemented by phone support, employer partnerships through the cooperative network, and a member referral scheme (Mitglieder werben Mitglieder). Customer segments span apprentices, employees, families, self-employed, students, and retirees, with a stated mission of serving all life phases via standardized digital channels.

Name

R+V BKK

Legal name

R+V Betriebskrankenkasse

Website

https://ruv-bkk.de

Company type

Private

Founded year

1992

Operating status

Operating

Headcount range

11–50 employees

Short description

R+V BKK is a German statutory health insurance fund (Körperschaft öffentlichen Rechts) serving individual members nationwide with statutory health and nursing care coverage, supplemented by digital health services such as telemedicine, online wellness courses, and integrated member self-service tools, operating within the Genossenschaftliche FinanzGruppe cooperative banking network.

Ownership category

akta.pro rank

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices1 record

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: Mandatory contributions from employed members (shared 50/50 with employers) and self-employed members based on income. R+V BKK charges the standard statutory contribution rate plus an optional supplementary contribution (Zusatzbeitrag). This is the primary revenue stream as a statutory health insurance fund.
2. Supplementary Insurance Products: Brokerage revenue from offering supplementary insurance (Zusatzversicherungen) including dental, alternative medicine, and other coverage not included in statutory benefits. These are offered in partnership with insurance providers.
3. Nursing Care Insurance (Pflegekasse): Separate statutory nursing care insurance operated alongside the health insurance, generating contribution revenue from members for long-term care coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels9 records

Core offering

R+V BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) that provides compulsory health insurance and nursing care insurance coverage to individual members, including employees, apprentices, students, self-employed persons, families, and retirees nationwide. The core offering is supplemented by digital health services such as telemedicine (TeleClinic), pain therapy (medicalmotion), weight management (Gro Health), online health courses, and an online member self-service portal (Meine R+V BKK), as well as optional supplementary insurance products and elective tariffs.

Product overview

R+V BKK operates as a statutory health insurance provider (gesetzliche Krankenkasse) organized as a public-law corporation. Founded in 1992 for employees of R+V Versicherung AG, the company has been open nationwide since 2002. The core offering is statutory health insurance providing comprehensive medical coverage. This core product is supplemented by digital health services including TeleClinic (telemedicine), medicalmotion (pain therapy app), Gro Health (weight management), Online-Kurse (digital health courses), and Medline (medical telephone advisory). Additional services include Online-Services portal, Wahltarife (choice tariffs), Zusatzversicherungen (supplementary insurance), and BKKiNFORM customer magazine. The company is part of the Genossenschaftliche FinanzGruppe Volksbanken Raiffeisenbanken cooperative financial network.

Differentiator

Problem solved

Functional benefit

Products and services

• R+V BKK Core Health Insurance Statutory health insurance (gesetzliche Krankenversicherung) providing comprehensive medical coverage including doctor visits, hospital care, dental care, preventive services, alternative medicine, and rehabilitation. Operated as a public-law corporation (Körperschaft öffentlichen Rechts) within the Genossenschaftliche FinanzGruppe.
• TeleClinic Telemedicine service enabling doctor consultations via smartphone for insured members, allowing remote medical advice.
• medicalmotion Individualized pain therapy mobile application providing personalized pain management programs for members.
• Gro Health Sustainable weight loss mobile application supporting members in achieving long-term weight management goals through digital coaching.
• Online-Kurse Online health and fitness courses offered through cooperation partners as alternatives to gym or adult education center courses.
• Online-Services (Meine R+V BKK) Comprehensive digital service portal enabling members to manage insurance matters around the clock, including the protected Meine R+V BKK member self-service area.
• Medline Medical Telephone Advisory Medical telephone consultation service providing members access to medical advice and health information by phone.
• Digitaler PflegeBerater Digital nursing care advisor providing guidance and information for members dealing with care-related issues.
• Zusatzversicherungen (Supplementary Insurance) Supplementary insurance products offered in partnership with insurance providers, including dental supplements and other enhanced coverage options beyond statutory benefits.
• R+V BKK Pflegekasse (Nursing Care Insurance) Statutory nursing care insurance (Pflegeversicherung) operated as a wholly-owned subsidiary, providing long-term care coverage to R+V BKK members with separate contribution-based funding.

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• R+V Versicherung AGcoreStrategic or Co-development PartnerOriginal founding company and sole reason for establishment in 1992. R+V BKK was originally the company health fund for R+V Versicherung AG employees. The company maintains close ties to this parent/cooperative entity as part of the Genossenschaftliche FinanzGruppe network.
• Genossenschaftliche FinanzGruppe Volksbanken RaiffeisenbankencoreStrategic or Co-development PartnerR+V BKK operates as the health insurance of the cooperative financial group (Genossenschaftliche FinanzGruppe), a network of Volksbanken and Raiffeisenbanken across Germany. This connection provides brand identity and access to the network's member institutions.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Barmer: One of Germany's largest statutory health insurers with ~8.5M members. Same nationwide open statutory model, same regulated contribution framework, and similar digital service investments.
• pronova BKK: Open statutory Betriebskrankenkasse with several hundred thousand members. Same legal form, same regulated funding, and directly comparable digital and supplementary insurance offerings.
• DAK-Gesundheit: Major German statutory health insurer with ~5.5M members. Competes head-to-head with R+V BKK for the same nationwide member base, including families, students, and self-employed.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurance fund with ~11M members. Directly comparable as a nationwide open statutory Krankenkasse competing for the same employer, family, and student segments.
• hkk Krankenkasse: Smaller nationwide open statutory health insurer. Closest scale peer to R+V BKK, frequently highlighted on Krankenkassen comparison sites and competing on the same Zusatzbeitrag and digital benefit dimensions.
• KKH Kaufmännische Krankenkasse: Statutory health insurer with ~1.6M members focused on commercial-sector employees. Operates under the same regulatory framework as R+V BKK and competes on service quality, Zusatzbeitrag, and digital extras.
• IKK classic: Statutory health insurer for trade and commerce employees with ~3M members. Same statutory framework, similar nationwide open structure, and overlapping target segments including apprentices and families.
• SBK (Siemens-Betriebskrankenkasse): Large open Betriebskrankenkasse affiliated with the Siemens corporate network. Operates under the same statutory framework as R+V BKK and serves a similar nationwide employee and family base.
• Audi BKK: Another Betriebskrankenkasse (company health fund) of comparable size that has also opened nationwide. Closest direct analog to R+V BKK's BKK structure and operational model.

Broad incumbents

• AOK (Allgemeine Ortskrankenkasse) — collective grouping: Federation of 11 regional statutory health insurers with ~26M members collectively. Dominant incumbent in the same statutory market R+V BKK operates in; represents the scale and brand competitor R+V BKK must measure against.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCj8_O3Yzp9GfrSWZVsDAcXg
• Facebookde-de.facebook.com/ruvbkk
• Instagraminstagram.com/ruv_bkk
• Xx.com/ruvbkk

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 R+V BKK