Postbeamtenkrankenkasse

What Postbeamtenkrankenkasse does

Postbeamtenkrankenkasse (PBeaKK) is a federally mandated public-law corporation (Körperschaft des öffentlichen Rechts mit Selbstverwaltung) headquartered in Stuttgart, Germany, providing health insurance and benefits administration exclusively to civil servants (Beamte) of Deutsche Bundespost successor companies — principally Deutsche Post AG, Deutsche Telekom AG, Deutsche Bank AG, and the Bundesanstalt für Post und Telekommunikation (BAnst PT) — and their dependents. Founded in 1920 and operating under § 26d BAPostG with BAnst PT as legal supervisor, PBeaKK combines four core revenue streams: Grundversicherung (basic health insurance at fixed contribution rates), multi-tier Zusatzversicherung (supplementary insurance with Grundstufe, Aufbaustufe, Ergänzungsstufe, ISH-Stufe, Krankenhaustagegeldstufe, and Pflegetagegeldstufe tiers plus AKV foreign-travel coverage), private Pflegepflichtversicherung administered on behalf of GPV, and Beihilfebearbeitung (civil-servant benefits processing) provided as a managed service to federal agencies and professional associations including BG BAU, BG Verkehr, Bundesnetzagentur, Bundesagentur für Arbeit, and the Bundesministerium für Wirtschaft und Energie.

The technology stack centers on a digital service platform anchored by the PBeaKKDirekt mobile app (for secure document submission, insurance data access, and account management), a web-based service portal with multiple self-service tools (Beitragsrechner, Hilfsmittel-Suche, Reha-Klinik-Suche, Arzneimittel-Festbetrag-Suche, Krankenhaus-Suche), and digital Erstattungsverfahren for accelerated claims processing. Member-facing digital health services include Online-Hautcheck (teledermatology via partner dermanostic using image-based computer vision for 48-hour diagnosis), Online-Gesundheitskurse (preventive courses on nutrition and exercise), Gesundheitstelefon (staffed by Medical Contact), Hörgeräte-Begutachtung (independent hearing-aid assessment), and Fallmanagement. The underlying architecture is built around an electronic data interchange system with hospitals (IK-Nr. 950885055) rather than a public API or developer platform.

PBeaKK's business model is subscription-based recurring contributions on the insurance side, with fixed (not income-based) basic insurance rates and tiered supplementary pricing disclosed via online calculators, complemented by managed-service fees for B2B benefits-administration clients. The go-to-market relies on employer partnerships with Deutsche Post AG, Deutsche Telekom AG, Deutsche Bank AG, and BAnst PT HR departments for member acquisition, supplemented by direct digital channels (website, app, customer magazine "vitamin"), telephone customer service, and callback scheduling. Governance is exercised through a 16-member Verwaltungsrat (8 member representatives, 8 employer/administration representatives) and a two-person Vorstand (Ilka Dekan as Chair, Klaus Victor as board member). The company operates with 11–50 employees, reflecting a lean in-house team that scales service delivery through an ecosystem of healthcare provider contracts (approximately 800 rehabilitation facilities) and technology partners.

Name

Postbeamtenkrankenkasse

Legal name

Postbeamtenkrankenkasse

Website

https://pbeakk.de

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

11–50 employees

Short description

Postbeamtenkrankenkasse (PBeaKK) is a German public-law health insurance corporation serving civil servants of Deutsche Bundespost successor companies and federal agencies, offering basic insurance, supplementary insurance tiers, nursing care coverage, and benefits administration.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Health and Welfare Funds (525120), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Services-Misc Health & Allied Services, Nec (8090), Services-Health Services (8000)

akta.pro primary industry

Flexible Benefits Administration (FSA/HSA/HRA) (HLAEALAK)

akta.pro secondary industries

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF), Medigap Member Support & Care Navigation (Advocacy/Concierge) (HLAEADAH)

Keywords

• Statutory health insurance
• Civil servant insurance
• Nursing care insurance
• Supplementary health coverage
• Subsidy administration services

Headquarters

HQ city

Stuttgart

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Grundversicherung (Basic Insurance) Contributions: Mandatory contributions from members for basic health insurance coverage. The contribution amounts are fixed rates not based on income, covering members and their dependents
2. Zusatzversicherung (Supplementary Insurance) Contributions: Voluntary supplementary insurance contributions for additional coverage including hospital daily allowances, dental care, hearing aids, glasses, and nursing care daily allowances. Multiple tiers available with varying benefit levels
3. Private Pflegepflichtversicherung (Compulsory Nursing Care Insurance): PBeaKK administers compulsory private nursing care insurance on behalf of GPV (Gemeinschaft privater Versicherungsunternehmen zur Durchführung der Pflegeversicherung). Contributions based on statutory rates
4. Beihilfebearbeitung (Benefits Administration): PBeaKK processes benefits for civil servants on behalf of the Bundesanstalt für Post und Telekommunikation (BAnst PT), providing comprehensive one-stop service for health insurance and benefits administration

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels8 records

Core offering

Postbeamtenkrankenkasse (PBeaKK) provides statutory health insurance (Grundversicherung), supplementary health insurance (Zusatzversicherung in STARKE PLUS, STARKE KOMFORT, and STARKE PREMIUM tiers), statutory and private nursing care insurance (Pflegeversicherung), and outsourced Beihilfebearbeitung (civil-servant subsidy processing) services exclusively for civil servants of Deutsche Bundespost successor companies and related federal organizations, as well as their family members and pensioners. Members also access value-added digital services including a mobile app, teledermatology, a 24/7 health hotline, and online health courses.

Product overview

Postbeamtenkrankenkasse (PBeaKK) is a public-law health insurance provider exclusively serving civil servants (Beamte) of the Deutsche Bundespost successor organizations. The offering consists of a multi-product portfolio: Grundversicherung (basic health insurance) as the core product, combined with Zusatzversicherung (supplementary insurance) offering multiple tiers (Grundstufe, Aufbaustufe, Ergänzungsstufe, ISH-Stufe, Krankenhaustagegeldstufe, Pflegetagegeldstufe) covering dental, glasses, hearing aids, hospital daily allowances, and nursing care. Additional core services include private Pflegeversicherung (nursing care insurance) and Beihilfebearbeitung (civil servant subsidy processing). The digital layer includes the PBeaKKDirekt mobile app for secure document submission, multiple online search and calculator tools (Beitragsrechner, Hilfsmittel-Suche, Reha-Klinik-Suche, Arzneimittel-Festbetrag-Suche), and digital health services (Online-Hautcheck, Online-Gesundheitskurse, Gesundheitstelefon, Hörgeräte-Begutachtung, Fallmanagement, Patientenverfügung). Members receive everything from a single provider — basic insurance, supplementary insurance, nursing care, and subsidy processing — supplemented by the vitamin customer magazine.

Differentiator

Problem solved

Functional benefit

Brands

• PBeaKKDirekt: Mobile app for insured members to submit documents and access insurance services
• vitamin
• Beihilfedienste

Products and services

• Grundversicherung (Statutory Health Insurance) Statutory compulsory health insurance coverage for civil servants (Beamte) of Deutsche Bundespost successor companies, their family members, and pensioners, with employer-subsidized contributions and reimbursement of the Beihilfe restanteil.
• Zusatzversicherung STARKE PLUS / KOMFORT / PREMIUM (Supplementary Health Insurance) Voluntary supplementary health insurance tiers providing extended benefits beyond statutory coverage for insured members and their families.
• Pflegeversicherung (Nursing Care Insurance) Compulsory and voluntary nursing care insurance providing benefits across care levels 1-5, including options for non-obligated spouses and Beihilfe-appropriate and private coverage variants.
• Beihilfebearbeitung (Civil-Servant Subsidy Processing Service) Administrative outsourcing service for federal public agencies processing Beihilfe (civil-servant health subsidy) claims for their own Beamte employees.
• AKV-Stufe (Auslandsreise-Krankenversicherung) Worldwide foreign travel health insurance available in four tier levels for insured members traveling abroad.
• Online-Hautcheck (Online Skin Check) Teledermatology service providing insured members with a digital skin assessment by dermatologists, typically with results delivered within around 24 hours.
• Gesundheitstelefon (24/7 Health Hotline) 24/7 telephone medical advice service staffed by a medical team, available exclusively to insured members.
• Online-Gesundheitskurse (e.g., "Schlaf dich fit") Online health and wellness courses such as "Schlaf dich fit" offered digitally to insured members.
• PBeaKKDirekt App Mobile application providing PBeaKK members with digital self-service access to their insurance and related services.

Named customers9 records

Segments3 records

Ideal customer profiles2 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• dermanosticcoreTechnology or IntegrationPartnership for online dermatology consultation service. PBeaKK members in basic insurance can receive digital skin consultations through the dermanostic app once per quarter at no cost. The service provides diagnosis and treatment recommendations within 48 hours. This partnership enables PBeaKK to offer digital healthcare access without requiring physical doctor visits.
• Medical ContactcoreStrategic or Co-development PartnerProvides the Health Telephone (Gesundheitstelefon) service for PBeaKK members. Medical Contact's qualified staff including psychotherapists, nurses, nutritionists, psychologists, and health economists offer professional consultation on health-related and medical topics. Available free to PBeaKK customers during service hours.
• Deutsche Gesellschaft für VorsorgeminorStrategic or Co-development PartnerProvides individual patient directives (Patientenverfügung) creation service. Members can create personalized advance directives including healthcare proxy and care proxy through an online platform. Documents are sent by mail for signature. Optional online archive and emergency code access available for 19.50 EUR per year.
• compass private PflegeberatungcoreStrategic or Co-development PartnerProvides personal nursing care consultation services to PBeaKK members. This service helps members navigate nursing care needs, understand care levels, and access appropriate services. Part of PBeaKK's comprehensive nursing care support offerings.
• GPV (Gemeinschaft privater Versicherungsunternehmen zur Durchführung der Pflegeversicherung)coreOthersPBeaKK administers compulsory private nursing care insurance on behalf of GPV, a consortium of private insurance companies. GPV sets the framework and regulations for private nursing care insurance that PBeaKK implements for its members.
• Bundesanstalt für Post und Telekommunikation (BAnst PT)coreOthersRegulatory supervisory authority for PBeaKK. Also the employer whose civil servants PBeaKK serves. PBeaKK processes benefits (Beihilfe) for BAnst PT employees on a contractual basis. Approves charter changes and implementation regulations.
• Approximately 800 Rehabilitation FacilitiescoreOthersPBeaKK has contracts with approximately 800 rehabilitation facilities across Germany, enabling direct billing (Direktabrechnung) for members. This eliminates the need for members to pay upfront and wait for reimbursement.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Krankenversorgung der Bundesbahnbeamten (KVB): The closest direct peer: a German public-law health insurer exclusively serving civil servants of Deutsche Bahn successor entities. Operates under a near-identical statutory framework with Grundversicherung, supplementary insurance, nursing care, and Beihilfebearbeitung, making KVB the most structurally comparable entity to PBeaKK.

Broad incumbents

• Debeka Krankenversicherung: One of Germany's largest private health insurers and a major provider of civil-servant (Beamte) tariffs. Competes with PBeaKK for supplementary insurance wallets among civil servants and offers comparable multi-tier products, though it operates across all Beamte groups rather than the postal niche.
• HUK-COBURG Krankenversicherung: Large German private health insurer with established Beamten-Beihilfe supplementary tariffs. Operates a broad product portfolio including hospital daily allowance and nursing care supplementary coverage that overlaps with PBeaKK's Zusatzversicherung tiers.
• Allianz Private Krankenversicherung: Market-leading German private health insurer offering supplementary insurance for civil servants including hospital daily allowance, dental, and nursing care tariffs. A broad incumbent rather than a postal-niche specialist, but directly competes for the same civil-servant wallet.
• Central Krankenversicherung (Generali): Established German private health insurer specializing in civil-servant supplementary insurance. Comparable product architecture (multi-tier supplementary, hospital daily allowance, nursing care) and serves the same Beamte customer segment PBeaKK targets.
• DKV (Deutsche Krankenversicherung): Major German private health insurer under the ERGO Group offering comprehensive supplementary coverage (dental, hospital, nursing). Comparable product mix to PBeaKK's Zusatzversicherung, though DKV serves a much broader customer base beyond postal civil servants.
• BARMER: One of Germany's largest statutory (GKV) health insurers, serving millions of members including civil servants eligible for Beihilfe. While GKV vs. private insurance model differs, BARMER processes supplementary benefits and Beihilfe coordination in the same civil-servant ecosystem.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurer with strong digital service capabilities (TK-App, teleconsultation). Relevant as a digital-first comparison to PBeaKK's PBeaKKDirekt app strategy and Online-Hautcheck offering, though in the GKV segment rather than the Beamte private insurance niche.

Emerging players

• Ottonova: Digital-native German private health insurer targeting young professionals with a fully app-based experience. Relevant as a competing digital-first private health insurance model; even though Ottonova does not specifically target postal Beamten, it pressures traditional players like PBeaKK on member experience expectations.

Others

• compass private Pflegeberatung: Mandated private nursing-care consulting service for all German private health insurers, including PBeaKK. Listed as a core PBeaKK partner providing Pflegeberatung; comparable to PBeaKK's nursing care advisory services but operating as a sector-wide mandatory entity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/121222

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Postbeamtenkrankenkasse