IKK classic
IKK classic is a German statutory health insurance fund (gesetzliche Krankenkasse) operating as a public law corporation, serving approximately 3 million insured persons across Germany through statutory health and nursing care insurance, 70+ additional benefits, a digital health platform, and 150+ physical service centers.
- Company typePrivate
- Founded2010
- HeadquartersDresden, Germany
- Headcount5,001–10,000
- GTM typeB2C
- OfferingServices
What IKK classic does
IKK classic is a German statutory health insurance fund (gesetzliche Krankenkasse) organized as a Körperschaft des öffentlichen Rechts (public law corporation) and supervised by the Bundesamt für Soziale Sicherung. Founded in 2010 and headquartered in Dresden, the company provides mandatory statutory health and nursing care insurance to approximately 3 million insured persons (Versicherte) across Germany, with a historical concentration in the Handwerk (skilled trades) sector. Its core product portfolio centers on statutory health and long-term care insurance (IKK Meine Gesundheit, IKK Meine Familie, IKK Pflege) augmented by a modular set of add-on benefits including IKK Digital Plus (telemedicine, digital health applications), IKK Impfschutz Plus, IKK Zahngesundheit Plus, IKK Natürlich gesund (alternative medicine), and IKK Gesünder leben (wellness subsidies), together comprising over 70 additional benefits beyond the statutory minimum.
The company operates a digital health platform comprising the IKK classic-App, the IKK classic ePA (electronic patient record) app, the IKK classic eVerordnung (e-prescription) app, the IKK Onlinefiliale, the GesundheitsCockpit dashboard, and the IKK gesund führen leadership-coaching app (delivered via technology partner CAI GmbH). Member service is delivered through 150+ physical IKK Servicecenter locations, a 24/7 toll-free hotline (0800 455 1111), live chat, and a digital self-service portal; a dedicated Firmenkunden (corporate) channel targets employer clients. The company also operates a core subsidiary, IKK Pflegekasse classic, for long-term care insurance, and maintains a 30 EUR-per-referral member-recruitment program. Recognized in 2025 with the Deutschland Test / Focus Money #1 ranking for highest consulting quality and a CHIP award for best online contract conclusion.
Revenue is generated primarily through regulated statutory health insurance contributions, with the standard rate at 14.60% of gross income (split 50/50 between employer and employee) and an individual Zusatzbeitrag supplement of 3.40% (employee-only) effective January 2025, increased from 2.19% in August 2024. Nursing care insurance adds a further 3.60–4.20% depending on family status, with multi-child discounts available. Additional revenue streams include supplementary insurance distributed in partnership with SIGNAL IDUNA and a DentNet dental network partnership offering cost-reduced dental care at 1,000+ practices. The company serves both Privatkunden (individual members) and Firmenkunden (corporate clients) segments, with notable multilingual support (German, English, Polish, Romanian, Ukrainian) and a specialized Hand.Werk.Ne newsletter for the trades sector.
IKK classic firmographics
Firmographics- Name
- IKK classic
- Legal name
- IKK classic
- Website
- https://ikk-classic.de
- Company type
- Private
- Founded year
- 2010
- Operating status
- Operating
- Headcount range
- 5,001–10,000 employees
- Short description
- IKK classic is a German statutory health insurance fund (gesetzliche Krankenkasse) operating as a public law corporation, serving approximately 3 million insured persons across Germany through statutory health and nursing care insurance, 70+ additional benefits, a digital health platform, and 150+ physical service centers.
- Ownership category
- akta.pro rank
IKK classic industry classification
Industry- Product category
- Statutory Health Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Accident & Health Insurance (6321), Life Insurance (6311)
- akta.pro primary industry
- Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
- akta.pro secondary industry
- Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD)
Keywords
Where IKK classic is headquartered
LocationHeadquarters
- HQ city
- Dresden
- HQ country
- Germany
- HQ region
- Europe
Offices3 records
Markets served
IKK classic business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Statutory Health Insurance Contributions: As a German statutory health insurance provider (Gesetzliche Krankenversicherung), IKK classic generates revenue primarily through statutory insurance contributions. The standard contribution rate is 14.60% of gross income (employee and employer each pay half). An additional supplement (Zusatzbeitrag) of 3.40% applies from 01.01.2025 (previously 2.19% from 01.08.2024). Contributions are income-based, split equally between employer and employee. Revenue is derived from ongoing recurring contributions rather than per-transaction fees.
- Nursing Care Insurance (Pflegeversicherung): IKK classic also operates a nursing care insurance scheme. Care contribution rates as of 01.01.2025 are 3.60% for members with children, 4.20% for childless members. Additional surcharges apply for childless members over 23 years old (0.60%). Multi-child discounts reduce the rate: 3.35% for 2 children, 3.10% for 3 children, 2.85% for 4 children, and 2.60% for 5 or more children under 25.
- Supplementary Insurance (Zusatzversicherungen): IKK classic markets supplementary insurance products (Zusatzversicherungen) in partnership with SIGNAL IDUNA, including foreign travel health insurance and supplemental health and nursing care coverage. These generate additional premium revenue.
- Cost Reimbursement / Self-Pay Services: IKK classic reimburses members for certain services not fully covered by statutory insurance (e.g., professional dental cleaning up to 40 EUR/year, alternative treatments, courses). Members pay upfront and submit claims for reimbursement, generating administrative fee processing revenue.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Health Insurance Rate (14.60% of gross income) |
| Subscription | Monthly | Reduced Health Insurance Rate (14.00%) |
| Subscription | Monthly | Additional Contribution (Zusatzbeitrag) from 01.01.2025: 3.40% |
| Subscription | Monthly | Nursing Care Insurance (Pflegeversicherung) - with children |
| Subscription | Annual | Professional Dental Cleaning Reimbursement: up to 40 EUR per year |
| Freemium | Annual | Free Professional Dental Cleaning via DentNet |
| Subscription | Per occurrence | Dental Subsidy (Festzuschuss): 60-75% of standard treatment costs |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels6 records
IKK classic product offering
Product offeringCore offering
IKK classic is a German statutory health insurance fund (gesetzliche Krankenkasse) organized as a Körperschaft des öffentlichen Rechts (public law corporation). It provides comprehensive statutory health and long-term care insurance to approximately 3 million insured members in Germany, supported by over 150 service centers and digital self-service platforms including mobile apps, the ePA electronic patient record, and the eVerordnung electronic prescription system. Members can enhance statutory coverage through optional add-on modules covering dental care, alternative medicine, vaccinations, and digital health services, and access additional benefits such as the DentNet dental prosthetics network and wellness programs.
Product overview
IKK classic offers a platform-plus-modules health insurance portfolio centered on its core statutory health and nursing care insurance products (IKK Meine Gesundheit, IKK Meine Familie, IKK Pflege). Members can enhance their coverage through various add-on modules: IKK Digital Plus (electronic health services, telemedicine, digital health applications), IKK Impfschutz Plus (enhanced vaccination coverage), IKK Zahngesundheit Plus (dental treatment subsidies), IKK Natürlich gesund (alternative medicine coverage), and IKK Gesünder leben (fitness and wellness subsidies). The IKK Bonus program rewards preventive health behaviors. The IKK Wahltarife optional tariffs allow members to customize their cost-sharing structure. Digital service delivery is handled through dedicated mobile applications: the IKK classic-App (for general service management and the GesundheitsCockpit dashboard), the IKK classic ePA-App (electronic patient records), and the IKK classic-eVerordnung app (e-prescriptions). An additional health management tool, IKK gesund führen, targets executives in trades and nursing sectors for team health leadership. A DentNet partnership provides access to a nationwide dental network with discounted prosthetic services.
Differentiator
Problem solved
Functional benefit
Products and services
- Statutory Health Insurance (IKK Meine Gesundheit)
Quantifiable outcome
- Up to 75% dental prosthetics subsidy after 10 years of preventive care visits
- +3 more outcomes
Companies that use IKK classic
Customer profileSegments3 records
Ideal customer profiles2 records
IKK classic technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature5 records
IKK classic partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- DentNetcoreDentNet is Germany's largest dental care network with over 1,000 participating dental practices. IKK classic members receive discounted or free dental care, including professional dental cleaning at no cost (for members 18+), dental prosthetics with a 5-year warranty (vs. standard 2-year statutory warranty), and implant-supported prosthetics at fixed prices up to 50% below typical costs. DentNet's Zahnersatz-Kostenrechner can reduce member out-of-pocket costs by up to 80%. The partnership is a core differentiator in dental care benefits.
- SIGNAL IDUNAminorSIGNAL IDUNA provides supplementary insurance products (Zusatzversicherungen) marketed by IKK classic, including foreign travel health insurance (Auslandsreisekrankenversicherung) and supplemental health and nursing care insurance. The partnership allows IKK classic to offer broader coverage beyond statutory requirements without building its own supplementary insurance products.
- CAI GmbHcoreCAI GmbH (Roonstraße 23A, 76137 Karlsruhe) provides the technical platform for the IKK gesund führen app and website, including app development for iOS and Android, server operations, user data management, and SSL/TLS security infrastructure. CAI GmbH stores user data including email, password, state, industry, usage inputs, and server log files. The IKK classic has no direct access to user data stored by CAI GmbH, ensuring data privacy.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
IKK classic competitors and assessment
Company assessmentDirect peers
- Barmer: Major national statutory health insurer with millions of insured persons and a broad digital and physical service offering. Direct competitor in the GKV market across individuals and employer groups.
- Pronova BKK: Statutory company-related health insurer with a national footprint and strong corporate wellness offerings. Direct competitor for employer groups and individual employees, comparable in scale and Zusatzleistungen strategy.
- DAK-Gesundheit: Large national statutory health insurer with a comparable Zusatzleistungen strategy and corporate wellness focus. Direct competitor targeting the same employed and family member segments.
- Techniker Krankenkasse (TK): One of Germany's largest and consistently top-rated statutory health insurers. Direct competitor with strong brand recognition, lower Zusatzbeitrag pressure historically, and comparable digital service investments; competes for the same employed/mobile member base.
- KKH Kaufmännische Krankenkasse: Statutory health insurer focused on commercial-sector employees, with a comparable Zusatzleistungen catalog and digital service offering. Direct competitor in the same GKV switching market.
- BIG direkt gesund: Statutory health insurer operating with a digitally-led model. Direct competitor representing the digital-first disruption that pressures traditional branch-heavy Kassen like IKK classic.
- IKK Südwest: Another Innungskrankenkasse serving trades-sector employees in southwest Germany. Closest organizational analogue to IKK classic, sharing the historical Handwerk focus and competing for the same trades-sector member pool.
- hkk Krankenkasse: Another statutory health insurer within the broader IKK/Kassen family, historically competing on a low Zusatzbeitrag. Direct competitor that frequently pressures IKK classic on price in the GKV switching market.
- SBK (Siemens-Betriebskrankenkasse): Statutory company-related health insurer (Betriebskrankenkasse) with a national footprint and comparable digital service depth. Direct competitor for employees and their dependents in the GKV market.
- AOK (Allgemeine Ortskrankenkasse): The largest group of statutory health insurers in Germany with the broadest regional footprint. Direct competitor to IKK classic in the GKV market, competing for the same pool of mandatory-insured employees on contribution rate, service, and Zusatzleistungen.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
IKK classic social profiles
Digital presenceIKK classic financial estimates
Financial estimateRevenue estimate
Valuation estimate
IKK classic leadership team
Management profileNumber of profiles
Profiles3 records
IKK classic subsidiaries and ownership
Company hierarchySubsidiaries1 record
IKK classic funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IKK classic 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 IKK classic
What does IKK classic do?
IKK classic is a German statutory health insurance fund (gesetzliche Krankenkasse) organized as a Körperschaft des öffentlichen Rechts (public law corporation). It provides comprehensive statutory health and long-term care insurance to approximately 3 million insured members in Germany, supported by over 150 service centers and digital self-service platforms including mobile apps, the ePA electronic patient record, and the eVerordnung electronic prescription system. Members can enhance statutory coverage through optional add-on modules covering dental care, alternative medicine, vaccinations, and digital health services, and access additional benefits such as the DentNet dental prosthetics network and wellness programs.
Is IKK classic a public or private company?
IKK classic is a private company. It is classified as state government owned and is currently operating.
When was IKK classic founded?
IKK classic was founded in 2010. It employs 5,001 to 10,000 people.
Where is IKK classic based?
IKK classic is headquartered in Dresden, Germany, in the Europe region.
How does IKK classic make money?
Four revenue lines are on record. Statutory Health Insurance Contributions are the primary driver. The others are nursing Care Insurance (Pflegeversicherung), supplementary Insurance (Zusatzversicherungen) and cost Reimbursement / Self-Pay Services.
Who are IKK classic's main competitors?
Direct peers on record are Barmer, Pronova BKK, DAK-Gesundheit, Techniker Krankenkasse (TK), KKH Kaufmännische Krankenkasse, BIG direkt gesund, IKK Südwest, hkk Krankenkasse, SBK (Siemens-Betriebskrankenkasse) and AOK (Allgemeine Ortskrankenkasse).
Does IKK classic have an API?
No public API is recorded for IKK classic.
What industry is IKK classic in?
IKK classic's product category is Statutory Health Insurance. Its primary akta.pro industry code is HLAEABAJ, Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity), with a secondary code of FSAIAKAD, Group/Employer-Sponsored Critical Illness & Hospital Indemnity. Its NAICS code is 52411 and its SIC code is 6321.