Audi BKK
Audi BKK is a German statutory health insurance fund headquartered in Ingolstadt, serving over 800,000 insured persons nationwide with digital-first services (ePA, E-Rezept, GesundheitsID) and below-average 2026 contribution rates. Organized as a public-law corporation, it operates on a non-profit basis across employees, families, students, and retirees.
- Company typePrivate
- Founded1894
- HeadquartersIngolstadt, Germany
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What Audi BKK does
Audi BKK is a statutory health insurance fund (gesetzliche Krankenkasse) headquartered in Ingolstadt, Bavaria, founded in 1894 as a company health insurance fund for Audi employees and now operating as a nationwide-open insurer (bundesweit geöffnet) with more than 800,000 insured persons across Germany. It is organized as a Körperschaft des öffentlichen Rechts mit Selbstverwaltung (public law corporation with self-governance), governed by an employer-employee Verwaltungsrat under the German Social Code, and operates on a non-profit basis with leadership comprising Dr. Anja Schramm (Vorstandsvorsitzende / CEO) and Dirk Lauenstein (Vorstand). The fund is legally and operationally independent from Audi AG despite the shared brand.
The fund's service platform is anchored on a digital stack consisting of the Meine Audi BKK App (iOS/Android) and web portal, the ePA-App for the electronic patient record, E-Rezept for electronic prescriptions, the TI-Messenger for end-to-end encrypted patient-provider communication, the Digitales Postfach (digital mailbox), and the GesundheitsID digital identity — all integrated with Germany's Telematikinfrastruktur and the gematik FHIR directory. Supporting third-party integrations include Nect (video identity verification), Bitmarck and WebEx (online seminars), Google ML Kit (document scanning), Google Maps and gematik (pharmacy finder), and Apple/Google push notification services. The physical footprint comprises five service-center cities (Ingolstadt, Karlsfeld, Unterschleißheim, Neckarsulm, Wolfsburg) and the fund holds BITV 2.0 / WCAG 2.1 accessibility certification.
Audi BKK generates revenue primarily through statutory contributions — 17.2% of gross income in 2026, including a 2.6% additional contribution that is explicitly below the national statutory average — supplemented by income from Zusatzversicherungen (supplementary insurance) and the Wahltarif Prämienzahlung (premium refund tariff). Customer acquisition is direct-to-consumer via audibkk.de, the Meine Audi BKK App, service centers, an employer portal, and a broker/agent channel (Vermittler-Lounge), supported by content marketing through the Audi BKK Magazin and NXTLVL youth magazine, multi-platform social media, and paid digital advertising (Meta, TikTok, Microsoft, LinkedIn). Customer segments span employed persons (primary), apprentices, students, self-employed, families, retirees, expectant mothers, and employers, with member-side value delivered through the AktivFit bonus program (up to €120/year) plus GesundheitExtra (up to €200/year) and subsidized prevention courses (up to €200/year).
Audi BKK firmographics
Firmographics- Name
- Audi BKK
- Legal name
- Audi BKK
- Website
- https://audibkk.de
- Company type
- Private
- Founded year
- 1894
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- Audi BKK is a German statutory health insurance fund headquartered in Ingolstadt, serving over 800,000 insured persons nationwide with digital-first services (ePA, E-Rezept, GesundheitsID) and below-average 2026 contribution rates. Organized as a public-law corporation, it operates on a non-profit basis across employees, families, students, and retirees.
- Ownership category
- akta.pro rank
Where Audi BKK is headquartered
LocationHeadquarters
- HQ city
- Ingolstadt
- HQ country
- Germany
- HQ region
- Europe
Offices7 records
Markets served
Audi BKK business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Technology or R&D, Marketing or Sales
Revenue model
- Statutory Health Insurance Contributions: Audi BKK operates as a statutory health insurance fund (gesetzliche Krankenversicherung) and generates revenue primarily through statutory contribution payments from its members. As of 2026, the total contribution rate is 17.2% of gross income (including an additional contribution of 2.6%), which is below the average of all statutory health insurers. Contributions are split between employer and employee. Revenue is supplemented by income from additional insurance products (Zusatzversicherungen) and premium refund programs (Wahltarif Prämienzahlung).
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard employee contribution rate 2026 |
| Subscription | Monthly | Trainee (Auszubildende) contributions 2026 |
| Subscription | Monthly | Student contributions 2026 |
| Subscription | Monthly | Self-employed (Selbstständige) contributions 2026 |
| Outcome Based/ Performance | Annual | Digital bonus program AktivFit |
| Unit Pricing | Annual | Preventive courses subsidy |
| Outcome Based/ Performance | Annual | Wahltarif Prämienzahlung (Premium Refund Tariff) |
Go-to-market motion2 records
Distribution channels7 records
Marketing channels10 records
Audi BKK product offering
Product offeringCore offering
Audi BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) headquartered in Ingolstadt, providing mandatory health insurance coverage to over 800,000 insured persons nationwide in Germany. Founded in 1894, the fund operates as a public law corporation with self-governance, offering statutory coverage, supplementary benefits, and digital health services including a mobile app, electronic patient records (ePA), and electronic prescriptions (E-Rezept). Its 2026 contribution rate of 17.2% is positioned below the national statutory average as a competitive differentiator.
Product overview
Audi BKK operates as a digital-first public health insurance provider (gesetzliche Krankenkasse) in Germany, offering a unified platform combining traditional insurance services with modern digital health tools. The core product portfolio centers on Meine Audi BKK (web and mobile app) as the primary member portal, supplemented by the ePA-App for electronic health records and E-Rezept services. Digital wellness programs include AktivFit bonus rewards and Gesundheitswoche subsidized health activities. Additional services include online coaching (Audi BKK Coaches, FamiliePlus), webinars, and digital magazines (Audi BKK Magazin, NXTLVL youth magazine). All services integrate with German healthcare infrastructure (Telematikinfrastruktur) and support multi-language accessibility.
Differentiator
Problem solved
Functional benefit
Brands
- NXTLVL: Youth magazine targeting young people approaching Ausbildung or university, providing information about health insurance benefits and topics relevant to young adults.
- AktivFit
- Meine Audi BKK
Products and services
- Statutory Health Insurance Membership (Gesetzliche Krankenversicherung) Mandatory health insurance coverage for members in Germany, providing the full statutory benefit catalog including medical treatment, hospital care, and sick pay. Targeted at employees, families, students, and other insured groups in Germany.
- Supplementary Health Benefits (Zusatzleistungen) Voluntary additional benefits beyond the statutory minimum, including preventive health programs and supplementary services, available to insured members alongside their core coverage.
- Audi BKK Mobile App Digital companion application for insured members that supports electronic patient records (ePA) and electronic prescriptions (E-Rezept), enabling members to manage documents, submissions, and health services digitally.
Quantifiable outcome
- Up to €120 annual reimbursement through AktivFit bonus program, plus €200 through GesundheitExtra
- +5 more outcomes
Companies that use Audi BKK
Customer profileNamed customers1 record
Segments9 records
Ideal customer profiles2 records
Audi BKK technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature7 records
Audi BKK partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- Zone 35 GmbH & Co. KGcoreZone 35 GmbH & Co. KG delivers Audi BKK's online coaching programs (Audi BKK Coaches) and FamiliePlus health advisory services. The partner operates under Audi BKK's data protection oversight and processes member data for coaching purposes.
- Move Elevator GmbHcoreMove Elevator GmbH provides the technology platform for Audi BKK's newsletter distribution and email marketing campaigns. They also support web analytics and web tracking services.
- BitmarckcoreBitmarck provides the technology platform for Audi BKK's online seminars (Online-Seminare), enabling the delivery of health and prevention webinars to insured members.
- GWQ ServicePlus AGminorGWQ ServicePlus AG conducts Audi BKK's insured survey for medical aids quality monitoring (Versichertenbefragung Hilfsmittel), processing survey responses and providing aggregated quality reports to Audi BKK.
- IMK InstitutminorIMK Institut (Erfurt) serves as the market research partner for Audi BKK's customer satisfaction survey (Kundenzufriedenheitsbefragung), conducting telephone-based surveys and providing aggregated results to Audi BKK.
- Meta (Facebook/Instagram)minorMeta provides advertising platforms (Facebook and Instagram) used by Audi BKK for marketing campaigns via Meta Pixel and Conversions API to target potential members and track campaign performance.
- TikTokminorTikTok Technology Limited is used for TikTok-based advertising and conversion tracking by Audi BKK, with data potentially processed outside the EU.
- Microsoft (Bing Ads / LinkedIn)minorMicrosoft Advertising and LinkedIn Ads are used for paid digital advertising, targeting potential members through Bing search and LinkedIn professional network advertising.
- SpotifyminorSpotify plugins are embedded on Audi BKK's website to enable visitors to interact with Spotify content, expanding digital engagement channels.
- Kartenproduzent und TrustcentercoreA third-party card producer and trust center manufactures the electronic health card (eGK) with photo for Audi BKK members.
- AbrechnungsdienstleistercoreExternal billing service providers review invoices from healthcare providers (doctors, pharmacies) on behalf of Audi BKK to ensure proper billing and compliance.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Audi BKK competitors and assessment
Company assessmentDirect peers
- IKK classic: Industry-related statutory health insurer (Innungskrankenkasse) with nationwide reach, competing for the same employed-person segment as Audi BKK and offering comparable digital and bonus services.
- Barmer: Major nationwide-open German statutory health insurer with ~8.5M members. Competes directly with Audi BKK on contribution rate, bonus programs, and digital services for employed and family segments.
- Techniker Krankenkasse (TK): Largest German statutory health insurer with ~11M members, offering nationwide-open coverage and an extensive digital app stack. Direct peer because it competes head-to-head with Audi BKK for the same digitally engaged, price-sensitive statutory members.
- BIG direkt gesund: Statutory health insurer with a digital-first, direct-to-consumer model — relevant as a fast-growing challenger in the same nationwide-open market, particularly attractive to younger and digital-native members.
- pronova BKK: Large nationwide-open Betriebskrankenkasse with a comparable employer-sponsored heritage and a similar focus on prevention bonuses and digital member services for employed and family segments.
- BKK VBU: One of the largest nationwide-open Betriebskrankenkassen in Germany, with a comparable corporate-foundation heritage and similar competitive positioning around digital services and below-average contribution rates.
- DAK-Gesundheit: Large nationwide-open statutory health insurer (~5.5M members) with comparable digital service investments. Directly comparable in target segments (employees, families) and competitive positioning around cost and prevention programs.
- SBK (Siemens-Betriebskrankenkasse): Sister Betriebskrankenkasse originally founded for Siemens employees, now nationwide-open. Closest structural analogue to Audi BKK given the shared BKK origin story and similar transition to national consumer insurer.
- KKH Kaufmännische Krankenkasse: Nationwide-open statutory health insurer focused on commercial/employee segments, with similar emphasis on digital service and prevention programs. Comparable customer base and product economics to Audi BKK.
- mhplus Betriebskrankenkasse: Mid-sized nationwide-open Betriebskrankenkasse competing in the same BKK category as Audi BKK, with overlapping employer-portal, app, and prevention-program offerings for employed and family members.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Audi BKK social profiles
Digital presenceAudi BKK compliance and trust
Trust signalCompliance8 records
Audi BKK financial estimates
Financial estimateRevenue estimate
Valuation estimate
Audi BKK leadership team
Management profileNumber of profiles
Profiles2 records
Audi BKK funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Audi BKK 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 Audi BKK
What does Audi BKK do?
Audi BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) headquartered in Ingolstadt, providing mandatory health insurance coverage to over 800,000 insured persons nationwide in Germany. Founded in 1894, the fund operates as a public law corporation with self-governance, offering statutory coverage, supplementary benefits, and digital health services including a mobile app, electronic patient records (ePA), and electronic prescriptions (E-Rezept). Its 2026 contribution rate of 17.2% is positioned below the national statutory average as a competitive differentiator.
Is Audi BKK a public or private company?
Audi BKK is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Audi BKK founded?
Audi BKK was founded in 1894. It employs 501 to 1,000 people.
Where is Audi BKK based?
Audi BKK is headquartered in Ingolstadt, Germany, in the Europe region.
How does Audi BKK make money?
One revenue line is on record: statutory Health Insurance Contributions.
Who are Audi BKK's main competitors?
Direct peers on record are IKK classic, Barmer, Techniker Krankenkasse (TK), BIG direkt gesund, pronova BKK, BKK VBU, DAK-Gesundheit, SBK (Siemens-Betriebskrankenkasse), KKH Kaufmännische Krankenkasse and mhplus Betriebskrankenkasse.
Does Audi BKK have an API?
No public API is recorded for Audi BKK.