Audi BKK

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).

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

Headquarters

HQ city

Ingolstadt

HQ country

Germany

HQ region

Europe

Offices7 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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

Go-to-market motion2 records

Distribution channels7 records

Marketing channels10 records

Core 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

Named customers1 record

Segments9 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature7 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• Zone 35 GmbH & Co. KGcoreTechnology or IntegrationZone 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 GmbHcoreTechnology or IntegrationMove 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.
• BitmarckcoreTechnology or IntegrationBitmarck 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 AGminorImplementation/ SI/ Consulting PartnerGWQ 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 InstitutminorImplementation/ SI/ Consulting PartnerIMK 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)minorGTM or Marketing PartnerMeta 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.
• TikTokminorGTM or Marketing PartnerTikTok 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)minorGTM or Marketing PartnerMicrosoft Advertising and LinkedIn Ads are used for paid digital advertising, targeting potential members through Bing search and LinkedIn professional network advertising.
• SpotifyminorGTM or Marketing PartnerSpotify plugins are embedded on Audi BKK's website to enable visitors to interact with Spotify content, expanding digital engagement channels.
• Kartenproduzent und TrustcentercoreTechnology or IntegrationA third-party card producer and trust center manufactures the electronic health card (eGK) with photo for Audi BKK members.
• AbrechnungsdienstleistercoreTechnology or IntegrationExternal 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

Direct 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

• Facebookfacebook.com/AudiBKK.de
• LinkedInlinkedin.com/company/audi-bkk

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Audi BKK