Novitas BKK

What Novitas BKK does

Novitas BKK is a German statutory health insurance fund (Betriebskrankenkasse) operating under public law, headquartered in Duisburg with a network of branch offices (Geschäftsstellen) across Germany. The fund is among the largest company health insurance funds in the country and serves five primary member segments: employees, self-employed persons, students up to age 30, vocational trainees, and families. Revenue is generated primarily through mandatory statutory health insurance contributions set under the German Sozialgesetzbuch (2026 general contribution rate of 18.2% of gross salary, supplemented by an annually-set additional contribution rate), with employer and employee sharing the general contribution 50/50. Additional revenue comes from the Flexgiro self-pay savings tariff (Wahltarif) and from referral commissions on supplementary insurance products brokered via partner Münchener Verein.

The company's service platform is anchored by the Meine Novitas BKK mobile application and the Online-Geschäftsstelle web portal, which share authentication through a proprietary IAM (Identitätsmanagement-Tool) supporting 2FA and biometric login. These are integrated with the national Telematikinfrastruktur via gematik to deliver the Elektronische Patientenakte (ePA, initially launched January 2021), E-Rezept electronic prescription module (launched August 2024), and TI-Messenger for secure cross-provider communication. The product portfolio is broadened by partner-driven add-ons including memedi (medication management, via gwq serviceplus), GLA:D (osteoarthritis exercise therapy), TeleClinic (24/7 telemedicine), Orthohero-App (musculoskeletal therapy), Online-Hautcheck (teledermatology), NichtraucherHelden (smoking cessation), and ESG nutrition courses. Member-facing financial incentives include the Flexcheck bonus program (up to 300 EUR/year) and Flexgiro savings tariff (up to 1,200 EUR over 3 years), alongside subsidies for prevention courses (80% up to 300 EUR), travel vaccinations (up to 200 EUR/year), and nutrition counseling (up to 300 EUR).

Distribution combines direct digital self-service (website, mobile app) with a national branch office network, dedicated employer sales (Betriebsdienst) targeting group enrollments, segmented 24/7 telephone hotlines, and a Mitglieder werben Mitglieder referral program paying 30 EUR per successful acquisition. Marketing spans organic social (Facebook, YouTube, Instagram), the Infowelt content portal (magazines, guides, video), and paid referral campaigns. The fund is supervised by the Bundesversicherungsamt, operates as a non-profit public-law entity without private shareholders, and holds multiple third-party quality seals including Krankenkasseninfo Grade 1.5 (2024) for student insurance, Focus Money recognition for Flexgiro, IKS GKV Höchstleistung, and DGQ Exzellente Kundenberatung.

Name

Novitas BKK

Legal name

Novitas BKK

Website

https://novitas-bkk.de

Company type

Private

Founded year

1836

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Novitas BKK is a German statutory health insurance fund (Betriebskrankenkasse) headquartered in Duisburg, serving employees, self-employed, students, trainees, and families with mandatory statutory coverage, a digital member platform integrated with the national Telematikinfrastruktur, and a network of branch offices across Germany.

Ownership category

akta.pro rank

Headquarters

HQ city

Duisburg

HQ country

Germany

HQ region

Europe

Offices2 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: Novitas BKK generates revenue primarily through statutory health insurance contributions. Members pay a contribution rate of 18.2% of gross salary (general contribution rate) plus an additional supplementary contribution rate. Employers and employees each bear half of the general contribution. Self-employed persons pay between the minimum (17.6% on a minimum assessment base of 1,318.33 EUR) and maximum (5,812.50 EUR assessment ceiling) rates.
2. Wahltarife (Flexgiro Self-Pay Savings Tariff): The Flexgiro tariff is a self-pay incentive product where healthy members receive upfront and annual premiums (up to 1,200 EUR over 3 years) in exchange for a capped self-risk participation on certain healthcare costs. This creates a self-selection mechanism for low-utilization members.
3. Supplementary Insurance Referrals: Novitas BKK offers supplementary insurance products (Zusatzversicherungen) and refers members to partner insurers such as Münchener Verein for travel insurance, earning referral commissions.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Novitas BKK is a German statutory health insurance fund (Betriebskrankenkasse) that provides mandatory health and long-term care insurance to employees, self-employed persons, students, trainees, and families across Germany. Its core offering combines statutory coverage with digital self-service tools (mobile app, online business office, electronic health record, e-prescription), supplementary benefits (osteopathy, vaccinations, nutrition counseling, health courses), and incentive programs (Flexcheck bonus, Flexgiro savings tariff).

Product overview

Novitas BKK operates as a German statutory health insurance provider (Betriebskrankenkasse) offering a multi-channel service portfolio centered on digital platforms and insurance products. The core digital infrastructure consists of the Meine Novitas BKK App (mobile application) and Online-Geschäftsstelle (web portal), both providing access to insurance management, document handling, and member communications. These platforms integrate with the Elektronische Patientenakte (ePA) for health record management, E-Rezept for electronic prescriptions, TI-Messenger for healthcare communication, and the Elektronische Gesundheitskarte as identity verification. The add-on module ecosystem includes memedi (medication management), GLA:D® (osteoarthritis program), Flexcheck (bonus rewards), Flexgiro (savings tariff), TeleClinic (online doctor consultations), Online-Hautcheck (skin screening), Orthohero-App (movement therapy), and various prevention services (health courses, travel vaccinations, nutritional counseling, osteopathy). The Infowelt content portal and Gesundbleib/Mcin-Phileo employer platform extend the member experience beyond transactional services.

Differentiator

Problem solved

Functional benefit

Brands

• Flexcheck: Bonus program offering financial rewards for health activities
• Flexgiro
• memedi – mein Medikationsbegleiter
• GLA:D
• TeleClinic

Products and services

• Meine Novitas BKK App Mobile application allowing insured members to submit documents and applications, request certificates, send messages, access a digital mailbox, and manage family members' insurance affairs from a smartphone.
• Online-Geschäftsstelle (Online Business Office) Web-based portal enabling members to access insurance services, manage documents, and communicate with Novitas BKK online, with credentials shared with the mobile app.
• Elektronische Patientenakte (ePA) Digital health record for securely storing and centrally managing health data, accessible to authorized healthcare providers across sectors.
• E-Rezept (Electronic Prescription) Electronic prescription module allowing members to receive, manage, and redeem prescriptions digitally at pharmacies via 2D code or electronic health card.
• TI-Messenger Healthcare-specific messenger service operating within the German Telematikinfrastruktur for secure, cross-sector communication between healthcare actors.
• Flexcheck Bonusprogramm Bonus program rewarding healthy behaviors with financial payouts up to 300 EUR annually as a purpose-bound premium for health activities and preventive measures.
• Flexgiro Wahltarif Optional savings tariff with up to 1,200 EUR in premiums over three years. Members receive immediate bonuses and annual premiums with manageable deductibles (25-100 EUR) based on tariff class.
• TeleClinic Online-Sprechstunde Premium 24/7 digital doctor consultation service exclusively for Novitas BKK members, providing free online medical consultations via video.
• memedi – mein Medikationsbegleiter Free medication management app providing reminders, medication storage, medication plan management, and information on drug effects and applications.
• GLA:D® Programm Evidence-based care program for knee or hip osteoarthritis patients providing pain reduction, improved function, and quality of life through neuromuscular exercise therapy.
• Online-Hautcheck Digital skin cancer screening service allowing members to have skin conditions evaluated remotely through image-based assessment.
• Präventionskurse (Prevention Courses) Certified prevention courses in categories including nutrition, movement, stress management, and substance use, subsidized up to 80% and 300 EUR per calendar year for up to two courses.
• Reiseschutzimpfungen (Travel Vaccinations) Travel vaccinations service with annual budget of 200 EUR for STIKO-recommended travel immunizations including hepatitis, typhoid, cholera, yellow fever, rabies, and Japanese encephalitis.
• Ernährungsberatung (Nutrition Counseling) Nutrition counseling and therapy services with subsidies up to 300 EUR maximum, including 60 EUR per session for up to five sessions, with online courses also available.
• Zusatzversicherungen (Supplementary Insurance Referrals) Supplementary insurance offerings through partner Münchener Verein providing additional coverage for travel and other extended health services.
• Osteopathie (Osteopathy Coverage) Subsidized osteopathic treatment as an alternative healing method, covered up to defined annual limits for members seeking natural therapy approaches.

Quantifiable outcome

• Up to 1,200 EUR savings through Flexgiro over 3 years
• +5 more outcomes

Named customers1 record

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature8 records

Partnerships

Four partnerships are on record, tiered core and minor.

• TeleCliniccoreTechnology or IntegrationTeleClinic is a telemedicine partner providing Novitas BKK members with premium online doctor consultations at no additional cost. Members can access 24/7 video consultations with licensed physicians through TeleClinic's platform, embedded within Novitas BKK's digital service offering.
• Münchener VereinminorChannel Partner/ Reseller/ DistributorMünchener Verein is a travel insurance partner offering Novitas BKK members personal supplementary travel protection at attractive rates. Novitas BKK refers members to Münchener Verein for travel insurance products.
• BKK Akademie (Rotenburg an der Fulda)minorStrategic or Co-development PartnerThe BKK Akademie provides specialized training seminars for Novitas BKK apprentices (Kaufmann im Gesundheitswesen and Sozialversicherungsfachangestellte) as part of their dual education program. Apprentices attend 4–8 week-long seminars at the BKK Akademie in Rotenburg an der Fulda.
• gematik (Gesellschaft für Telematik)coreTechnology or Integrationgematik is the national agency responsible for Germany's Telematikinfrastruktur (TI), the digital health network infrastructure. Novitas BKK integrates with gematik's systems to offer ePA (electronic health record), e-Rezept (electronic prescription), and TI-Messenger to its members.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• IKK classic: Largest member of the IKK (Innungskrankenkassen) system with nationwide statutory health insurance coverage. Competes with Novitas BKK for the same employee, self-employed, and family segments, with parallel digital and bonus offerings.
• Barmer: Second-largest nationwide statutory health insurer with ~8.7M members. Operates the same statutory health insurance model as Novitas BKK, including digital member apps, ePA, bonus programs (Bonusprogramm), and employer services, competing head-to-head for member acquisition.
• DAK-Gesundheit: Nationwide statutory health insurer with several million members. Direct peer offering statutory coverage, digital self-service, bonus and Wahltarif programs, and Betriebsdienst-style employer servicing comparable to Novitas BKK's portfolio.
• HEK Hanseatische Krankenkasse: Nationwide statutory health insurer with strong digital brand (Bonusprogramm, Wahltarife, ePA). Comparable to Novitas BKK in targeting the same nationwide employee, self-employed, and student segments with a digital-first service proposition.
• Techniker Krankenkasse (TK): Largest statutory health insurer in Germany with ~11M members. Direct competitor to Novitas BKK in the same gesetzliche Krankenkasse market, offering the identical statutory benefit basket plus digital services (ePA, app, online portal), bonus programs, and employer partnerships.
• BMW BKK: Major open Betriebskrankenkasse with membership open beyond BMW employees. Direct peer sharing Novitas BKK's exact legal form (BKK), statutory product, digital platform investments, and bonus/Wahltarif strategy.
• Audi BKK: Large Betriebskrankenkasse originating from the Audi employer group with an open membership base of several hundred thousand. Closest direct structural peer to Novitas BKK: same BKK legal form, comparable digital strategy, and overlapping bonus/Wahltarif and digital-health stack.
• KKH Kaufmännische Krankenkasse: Nationwide statutory health insurer historically focused on white-collar employees. Direct competitor to Novitas BKK with comparable digital self-service, bonus program, and employer-driven acquisition motion, including similar self-employed and family segment coverage.
• AOK (Allgemeine Ortskrankenkassen): Federated network of 11 regional statutory health insurers and the largest statutory insurer group in Germany by combined membership. Direct peer in every respect — statutory basket, digital services, bonus/Wahltarife, employer partnerships — and the dominant regional incumbent in many of Novitas BKK's core markets.
• Siemens BKK: Large open Betriebskrankenkasse originating from Siemens. Operates the same statutory insurance model, employer-services motion, and digital self-service strategy as Novitas BKK, making it a direct comparable on size, product mix, and member segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/novitasbkk
• Facebookfacebook.com/NovitasBKK
• Instagraminstagram.com/novitas_bkk/?hl=de
• Xx.com/novitas_bkk
• LinkedInlinkedin.com/company/bkk-novitas

Revenue estimate

Valuation estimate

Number of profiles

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 Novitas BKK