Salus BKK

What Salus BKK does

Salus BKK is a German statutory health insurance fund (gesetzliche Krankenkasse / Betriebskrankenkasse) organized as a Körperschaft des öffentlichen Rechts under public law, founded in 1895 and headquartered in Munich with additional service centers in Leipzig, Rostock, and Neu-Isenburg. The fund provides comprehensive mandatory health insurance to employees, apprentices, students, self-employed individuals, retirees, and family members across Germany, with revenue derived from income-based contributions split between employer and employee at the regulated 14.6% general rate plus a 2.99% supplementary contribution effective January 1, 2025.

The core product offering is unified statutory coverage (doctor visits, hospital treatment, medications, preventive and dental care, nursing care) layered with a Salus PLUS supplementary benefits package covering osteopathy (up to 360 EUR/year), prevention budgets (200 EUR), pregnancy budgets (250 EUR), sports medicine examinations (125 EUR), and travel vaccinations, alongside tiered bonus programs (Salus Bonus Plus and Bonus Premium). Service delivery is omnichannel: physical branch offices, a 24/7 Online-Geschäftsstelle portal, a Salus Service-App on iOS and Android, toll-free phone support, videochat, DE-Mail secure communication, a 24/7 health hotline (0800 18 95 001), and the Elektronische Patientenakte (ePA) for digital health records.

The go-to-market is direct-to-consumer targeting both individual members and employer channels, supported by marketing through website, Facebook, Instagram, monthly email newsletter, the Gutfühl-Magazin members magazine, and community campaigns such as 'Gemeinsam statt einsam'. Salus BKK is governed by an administrative council of employer/employee representatives, led by CEO Ute Schrader, and supervised by the Bundesamt für Soziale Sicherung. The fund has been required to surrender over 22 million EUR in reserves to the national Health Fund in recent years amid rising healthcare costs, prompting the 2025 contribution-rate increase. Strategic partnerships include DENT-NET (dental network), GWQ ServicePlus (medical aids), fit@job (online coaching), Mindscool (student resilience), and Pluspol (web platform development).

Name

Salus BKK

Legal name

Salus BKK Körperschaft des öffentlichen Rechts

Website

https://salus-bkk.de

Company type

Private

Founded year

1895

Operating status

Operating

Headcount range

251–500 employees

Short description

Salus BKK is a German statutory health insurance fund (Betriebskrankenkasse) founded in 1895, serving employees, students, self-employed, retirees, and families across Germany with comprehensive GKV coverage plus supplementary Salus PLUS benefits, delivered through branch offices, an online portal, and a mobile app.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

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

SIC

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

akta.pro primary industry

TANF/CHIP Managed Care Plans (HLAEAEAA)

Keywords

• Statutory health insurance
• Health insurance fund
• Supplementary dental insurance
• Preventive care services
• Healthcare member services

Headquarters

HQ city

Neu Isenburg

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: As a statutory health insurance fund (GKV), Salus BKK collects income-based contributions from members. The total contribution rate consists of the general contribution rate of 14.6% plus the supplementary contribution rate of 2.99% (as of 01.01.2025). The contribution is shared between employer and employee (paritarian financing). Additional revenue comes from other social security contributions and government subsidies.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

Salus BKK is a German statutory health insurance fund (Betriebskrankenkasse) operating under public law. It delivers comprehensive statutory medical coverage, including outpatient and inpatient treatment, medications, preventive check-ups, dental care, sick pay, and nursing care insurance, to employees, apprentices, students, self-employed persons, retirees, and family co-insurees across Germany. The fund supplements statutory benefits with bonus programmes, supplementary dental insurance (Salus PLUS), digital health services (mobile app, online portal, electronic patient record), and workplace health promotion offerings.

Product overview

Salus BKK is a German statutory health insurance company (Betriebskrankenkasse) offering a unified core health insurance product with multiple integrated digital service modules. The core product provides comprehensive medical coverage. Digital services are delivered through the Online-Geschäftsstelle (OGS) online portal and the Salus Service-App mobile application, both providing 24/7 access to insurance management. The supplementary Salus PLUS package offers enhanced benefits including osteopathy, prevention budgets, and pregnancy benefits. Additional services include Salus Terminservice for appointment coordination, fit@job online health coach, health hotline, video chat consultations, and electronic patient records (ePA). The company also operates DENT-NET for dental services, manages bonus programs (Salus Bonus Plus and Salus Bonus Premium), and provides home nursing care extensions. All services are accessible through the digital platform infrastructure.

Differentiator

Problem solved

Functional benefit

Brands

• Salus Inside News: Internal news and updates platform for company announcements
• Salus Gutfühl-Magazin
• Salus Service-App
• Salus PLUS
• Salus Bonus Plus
• Salus Bonus Premium
• Online-Geschäftsstelle (OGS)
• Gemeinsam statt einsam
• DENT-NET

Products and services

• Salus BKK Statutory Health Insurance Core statutory health insurance membership providing legally mandated coverage including doctor visits, hospital treatment, medication, preventive check-ups, dental care, sick pay, and nursing care insurance for employees, students, self-employed persons, retirees, and family members in Germany.
• Salus PLUS Supplementary Dental Insurance Voluntary supplementary insurance covering additional dental benefits beyond the statutory framework, including higher-quality dentures, implants, orthodontic treatment, and professional tooth cleanings. Aimed at members who want enhanced dental coverage.
• Salus Bonus Plus (Cash-Back Bonus Programme) Reward programme that pays members a cash bonus for participating in preventive check-ups, screenings, immunisations, and other health-promoting measures; bonus is paid out as a monetary refund.
• Salus Bonus Premium (Premium Bonus Programme) Premium reward programme that converts accumulated bonus points into contributions toward additional health-related benefits such as gym memberships, sports equipment, or wellness services, instead of a cash payout.
• DENT-NET Zahnersatz (Dental Prosthesis Cost-Cap Programme) Specialty dental programme that caps members' out-of-pocket costs for dentures (Zahnersatz) when they obtain treatment from contracted network dentists, providing predictable pricing for dental prosthesis work.
• fit@job Workplace Health Promotion Workplace health management service delivering health promotion measures, screenings, and counselling to employees of cooperating companies, with employer-coordinated rollout and reporting.
• Salus Terminservice (Appointment Service) Member-facing appointment scheduling service that helps insured persons secure timely specialist and general practitioner appointments.
• Gesundheitstelefon (24/7 Health Hotline) Round-the-clock telephone medical advice line staffed by healthcare professionals to answer health questions and triage care needs for members.
• Videochat Sprechstunde (Video Consultation) Telemedicine video consultation service enabling members to consult medical professionals remotely via secure video call.
• Salus Service-App Mobile application for members providing digital access to insurance documents, electronic health card functionality, submission of sick notes and invoices, photo-based document upload, and self-service functions.
• Online-Geschäftsstelle (OGS) Online Branch Web-based online branch where members can manage their insurance affairs, submit documents, change personal data, and communicate with the insurer digitally.
• Elektronische Patientenakte (ePA) - Electronic Patient Record Digital electronic patient record service providing members a centralised, secure repository for medical documents, diagnoses, and treatment information accessible to authorised healthcare providers.
• Reiseschutzimpfungen (Travel Vaccinations) Statutorily and additionally covered travel vaccinations offered to members ahead of international trips, reimbursed through the fund.
• Häusliche Krankenpflege (Home Nursing Care) Coverage and coordination of professional home-based nursing care services for members requiring care at home, including basic and treatment care provided by qualified nursing professionals.

Quantifiable outcome

• 1st place in M+M Versichertenbarometer 05/2025 with grade 1.78 in customer satisfaction
• +5 more outcomes

Named customers3 records

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

Feature3 records

Partnerships

Six partnerships are on record, tiered core and minor.

• DENT-NETcoreChannel Partner/ Reseller/ DistributorDENT-NET is a nationwide dental network offering Salus BKK members Zahnersatz ohne Eigenanteil (dental prosthetics without copay) through IMEX brand products with 5-year guarantee. Also provides access to contracted dentists for professional teeth cleaning (PZR) covered by the health fund.
• MindscoolcoreStrategic or Co-development PartnerMindscool is an mindfulness-based program for children and adolescents supporting resilience and stress management. Salus BKK supports the project at Otto-Lilienthal-Schule Rostock to help students cope with academic pressure and crises.
• Deutsche Alzheimer GesellschaftminorStrategic or Co-development PartnerLocal cooperation with the Rostock branch of Deutsche Alzheimer Gesellschaft. Salus BKK provided seminar facilities for exchange meetings, helping members of the organization learn more about the health fund as a potential partner.
• Wirtschaftsinitiative Neu-IsenburgminorStrategic or Co-development PartnerEconomic initiative in Neu-Isenburg focused on developing ideas and projects to promote the economic location. Vorständin Ute Schrader participated as keynote speaker, positioning Salus BKK as an employer, health insurance provider, and reliable cooperation partner for corporate health.
• fit@jobcoreStrategic or Co-development PartnerOnline coaching platform for healthier work-life balance. Salus BKK offers this digital service to members as part of its health promotion and prevention offerings.
• Bundeszentrale für gesundheitliche Aufklärung (BZgA)minorStrategic or Co-development PartnerFederal Centre for Health Education, referenced as campaign partner for organ donor awareness ('Organpaten' campaign) and other prevention initiatives.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Techniker Krankenkasse (TK): One of Germany's largest statutory health insurers with ~11M members. Operates under the same GKV framework as Salus BKK, serving employees, students, and self-employed with a parallel mix of statutory core, supplementary benefits, and digital service channels. The most relevant scale benchmark in the German SHI market.
• Barmer: Major German statutory health insurer with ~8.5M members. Competes head-to-head with Salus BKK in the same GKV product category, including employer-sponsored, family, and self-employed segments, with a comparable multi-channel (online, app, in-person) service model.
• DAK-Gesundheit: Statutory health insurer with ~5.5M members competing in the same GKV market as Salus BKK. Offers a similar product architecture — core GKV plus digital services and supplementary benefits — and targets a comparable member demographic including employees, families, and seniors.
• IKK classic: Germany's largest Innungskrankenkasse (IKK) with ~3M members. Operates in the same GKV framework as Salus BKK with a comparable member mix across employees, self-employed, and families, and competes for the same value-conscious member segments.
• KKH Kaufmännische Krankenkasse: Mid-sized statutory health insurer (Ersatzkasse) with ~1.6M members. Closely comparable to Salus BKK in scale, product breadth, and member demographic — both target white-collar employees and families, with similar digital and in-person service models.
• Audi BKK: Open Betriebskrankenkasse (BKK) with several hundred thousand members — the most direct structural peer to Salus BKK, since both are BKKs (not Ersatzkassen or IKKs) operating under the same regulatory framework and competing for similar member segments.
• pronova BKK: Another open Betriebskrankenkasse that, like Salus BKK, originated as a single-employer fund and was later opened to external members. Competes in the same mid-sized BKK segment with comparable product offerings and member demographic.
• BIG direkt gesund: Statutory health insurer positioned around direct/digital service delivery. Competes with Salus BKK in the digitally-engaged member segment, with an online-first service model that overlaps with Salus BKK's OGS and Service-App positioning.
• VIACTIV Krankenkasse: Open BKK serving ~750K members with a comparable mid-market scale and product profile. Competes with Salus BKK in the same regional and segment pools, with similar statutory-plus-supplementary benefit architecture.

Broad incumbents

• AOK Bayern: Regional arm of the AOK group, the largest German SHI collective with ~27M members. While Salus BKK and AOK Bayern are both statutory insurers, AOK's scale and regional monopoly structure make it a broader-incumbent comparator rather than a direct mid-market peer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/Salus-BKK-147396382011664
• Instagraminstagram.com/salusbkk

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Salus BKK