What BKK Linde does

BKK Linde Betriebskrankenkasse is a German statutory health insurance fund (gesetzliche Krankenkasse) headquartered in Wiesbaden, organized as a Körperschaft des öffentlichen Rechts and supervised by the Bundesamt für Soziale Sicherung. Founded in 1952 as the company health insurance fund of Linde AG, the insurer opened to all eligible persons nationwide in 2007 and today serves approximately 260,000 insured members through 450 employees and 9 branch offices across Germany. Its customer base spans employees of partner companies (Linde Group, DVAG, HEAG HOLDING, Linde Material Handling, STILL, Atlas Copco Energas, etc.) and individual/family enrollees, including students.

The company's core product is the BKK Linde Service App, launched in 2015 as the first health insurance app in Germany and recognized with the Enterprise Mobility Award. The platform enables 24/7 self-service for document submission, digital correspondence, applications, and status tracking, and is complemented by an integrated digital health ecosystem including TeleClinic video consultations, DentNet's 1,300+ contracted dentists for free professional dental cleaning, prevention courses (MIDLINE, bauchgefuehl, FIRST8, resetU, Mom2Be), therapy apps (myReha 2023, FPZ NeuroTherapie and SKILLCOURT 2025, mentalis 2021), and supplementary modules such as FitBonus+, travel vaccinations, and foreign travel health insurance distributed via Generali/DVAG. Eye-Able provides accessibility features across the website.

BKK Linde's revenue is generated through regulated statutory health insurance contributions (employer + employee) governed by German law, with a stable supplementary contribution rate and no publicly disclosed pricing autonomy. The GTM is direct-to-consumer via online enrollment plus employer partnerships, with member retention reinforced by statutory 12-month switching rules and bundled extra benefits (dental cleaning, prevention subsidies up to €100 per course, €280 WELL-AKTIV health travel subsidies). The company markets through its website, mobile app stores, customer magazine GESUNDHEIT, employer newsletters, social media (Facebook, Twitter/X, Instagram, Xing), and corporate partnerships.

Name

BKK Linde

Legal name

BKK Linde Betriebskrankenkasse

Website

https://bkk-linde.de

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

1–10 employees

Short description

BKK Linde is a German statutory health insurance fund (Betriebskrankenkasse) founded in 1952, serving 260,000 insured members nationwide through 450 employees and 9 branch offices. It operates a digital-first model anchored by Germany's first health insurance app and an integrated partner ecosystem for preventive, acute, and therapy care.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Statutory health insurance
• Health insurance funds
• Digital health services
• Preventive care programs
• Supplementary insurance products

Headquarters

HQ city

Wiesbaden

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: BKK Linde operates as a statutory health insurance fund (Gesetzliche Krankenversicherung) in Germany. Revenue is generated through statutory health insurance contributions from employed members and employers. As a public-law corporation (Körperschaft des öffentlichen Rechts), the insurance operates under regulatory supervision of the Bundesamt für Soziale Sicherung (BAS).

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

BKK Linde is a German statutory health insurance fund (Betriebskrankenkasse) that provides compulsory health insurance coverage to approximately 260,000 insured members, funded through regulated monthly contributions from employed members and employers. The company supplements standard statutory coverage with above-average extra benefits including free professional dental cleaning through the DentNet network, subsidized prevention courses, online doctor consultations, health travel subsidies, and a cash-reward wellness program (FitBonus+), all distributed through a nationwide branch network, a mobile Service App, and employer partnerships.

Product overview

BKK Linde is a German statutory health insurance provider (Betriebskrankenkasse) offering a portfolio of digital health services and insurance products. The core offering centers on the BKK Linde Service App (launched 2015), a mobile application serving as the primary 24/7 digital portal for members to manage insurance correspondence, submit documents, and track applications. This app is complemented by a suite of digital health services including TeleClinic (video-based online doctor consultations), professional dental cleaning through the DentNet network, and therapy applications (myReha, FPZ NeuroTherapie, SKILLCOURT, mentalis). The company also provides preventive health offerings (Präventionskurse, Gesundheitsreisen WELL-AKTIV, AKON, AKTIVWOCHE), a health rewards program (FitBonus+), and supplementary insurance products (foreign travel health insurance via Generali, dental supplementary insurance, travel vaccinations). Digital health applications include Dermanostic (dermatology) and BetterDoc (medical second opinions). The overall architecture is a core insurance product (the Service App) supplemented by partnered digital health modules and traditional insurance add-ons.

Differentiator

Problem solved

Functional benefit

Brands

• FitBonus+: Bonus program that rewards insured members for health-conscious behavior with monetary premiums.
• BKK Linde Service App

Products and services

• BKK Linde Service App Mobile health application for iOS and Android serving as the primary digital portal for BKK Linde members, enabling 24/7 self-service insurance management including document submission, digital mailbox, application submission, processing status tracking, personal data changes, sick leave retrieval, membership certificate download, and foreign insurance certificate request.
• TeleClinic Online doctor consultation service via video call offering private prescriptions and sick leave certificates delivered to mobile phone within minutes; premium service guarantees doctor consultation within 30 minutes with only doctors having at least 5 years of professional experience.
• Professionelle Zahnreinigung (PZR) Professional dental cleaning service provided through the DentNet network of over 1,300 contracted dentists across Germany; insured members aged 18+ receive one free PZR per year at participating practices, with a €60 annual subsidy for non-network dentists.
• Präventionskurse Certified preventive health courses covering movement, nutrition, relaxation, and addiction prevention; BKK Linde covers 100% of costs for up to two certified courses per year with a maximum reimbursement of €100 per course, with special courses available for pregnant women and children from age 6.
• FitBonus+ Health bonus program that rewards insured members for healthy behaviors with cash premiums; members submit health activities such as preventive courses, dental cleanings, and sports to earn rewards, with a €10 bonus awarded for completing preventive courses through the program.
• Auslandsreise-Krankenversicherung Foreign travel health insurance offered in partnership with Generali Deutschland Krankenversicherung AG and distributed through Deutsche Vermögensberatung AG (DVAG), covering inpatient and outpatient treatment, dental treatment, medical repatriation, and search and rescue costs up to €2,500 in case of accident.
• Gesundheitsreisen AKON Health travel program offering preventive travel courses and health courses subsidized by BKK Linde with €280, partnered with AKON for course and travel organization.
• Gesundheitsreisen AKTIVWOCHE Health travel program combining vacation with preventive health activities, available from age 14, with course modules in relaxation, movement, and nutrition.
• Gesundheitsreisen WELL-AKTIV Health travel program with courses available in 3 to 5 day time windows in German spa towns, covering relaxation, movement, and nutrition modules; BKK Linde subsidizes €280 per program (€190 for single-program offerings), with family members of insured persons eligible to participate.
• myReha Therapy App Digital therapy application for rehabilitation support, available to BKK Linde insured members as part of the company's expanded digital therapy offerings.
• FPZ NeuroTherapie Neurological therapy program offered in partnership with FPZ, providing evidence-based therapy for back and spine conditions to BKK Linde insured members.
• SKILLCOURT Digital therapy tool offering technology-based training and rehabilitation programs for BKK Linde insured members as part of the company's expanded therapy offerings.
• Dermanostic Dermatology app enabling BKK Linde insured members to have skin conditions assessed remotely via smartphone photos and to consult dermatologists digitally.
• BetterDoc Medical second opinion service in partnership with BetterDoc, helping BKK Linde insured members make informed healthcare decisions through specialist consultations.
• mentalis Digital aftercare program for mental health conditions, providing psychological support through digital channels for BKK Linde insured members recovering from mental health issues.
• Reiseschutzimpfung Travel vaccination coverage service where BKK Linde covers the full cost of travel vaccinations needed for private international travel in addition to standard immunizations.
• Statutory Health Insurance Membership Core statutory health insurance membership (Gesetzliche Krankenversicherung) under German social security law, funded through regulated monthly contributions from employed members and employers, providing comprehensive medical coverage under the framework of the German social insurance system.

Quantifiable outcome

• 1.4 rating from krankenkasseninfo.de (03/2026)
• +4 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature4 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• TeleCliniccoreTechnology or IntegrationPartnership for online doctor consultations. BKK Linde insured persons can consult experienced specialists via video, receive private prescriptions, and get medical certificates within 30 minutes through the TeleClinic app. Premium service guarantees doctor consultation within 30 minutes. Only doctors with minimum 5 years professional experience are included.
• DentNetcoreTechnology or IntegrationNetwork of over 1,300 contracted dentists (Vertragsärzte) across Germany. BKK Linde offers free professional dental cleaning (PZR) once per year at DentNet partner practices. For non-partner dentists, a 60 EUR subsidy is provided.
• Generali Deutschland Krankenversicherung AGcoreTechnology or IntegrationPartner for travel health insurance (Auslandsreise-Krankenversicherung) providing coverage for inpatient/outpatient treatment, dental care, and medical evacuation. Insurance certificate issued by Generali.
• Deutsche Vermögensberatung AG (DVAG)coreChannel Partner/ Reseller/ DistributorSales partner for Generali insurance products distribution to BKK Linde insured persons. DVAG financial consultants provide personal consultation for travel health insurance and other supplementary coverage products.
• Eye-Able (Web Inclusion GmbH)coreTechnology or IntegrationWeb accessibility software provider. Eye-Able suite includes: Assist (contrast, font size, read-aloud functions), Translate (translation into 5 languages), and Einfache Sprache (simplified language). Ensures website compliance with BITV 2.0 accessibility requirements.
• digitalwert® GmbHminorImplementation/ SI/ Consulting PartnerDigital agency responsible for website design and technical implementation. Located at Alaunstraße 9, 01099 Dresden.
• Bundesamt für Soziale Sicherung (BAS)coreOthersRegulatory supervisory authority for German social insurance. Located at Friedrich-Ebert-Allee 38, 53113 Bonn. Supervises BKK Linde as a statutory health insurance fund.

Scale indicators8 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• IKK classic: Germany's largest IKK (Innungskrankenkasse) statutory health insurer with ~3M insured members, offering digital services, prevention programs, and supplementary benefits. Comparable as a mid-to-large statutory fund competing for the same nationwide member pool.
• Barmer: Major German statutory health insurer with ~8.5M insured members, offering comparable digital services (Barmer App, telemedicine) and supplementary benefit programs. Competes head-to-head with BKK Linde for working professionals and families.
• Audi BKK: Statutory company health insurer originated from Audi AG with nationwide opening and digital services. Direct structural analog to BKK Linde — Betriebskrankenkasse of an industrial employer, now nationwide — and competes for the same professional/family segment.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurer with ~11M insured members and strong digital positioning (TK-App, TK-Safe). Directly comparable as a gesetzliche Krankenkasse competing for the same digitally-engaged, professional-member segment that BKK Linde targets.
• Pronova BKK: Smaller Betriebskrankenkasse statutory health insurer (~400K members) with similar origin in an industrial employer base. Comparable in scale, structural model, and digital ambition to BKK Linde, making it a close like-for-like peer.
• KKH Kaufmännische Krankenkasse: Mid-sized German statutory health insurer with ~1.5M insured members and a digital focus comparable to BKK Linde. Closest scale-comparable peer in terms of size, employer-channel history (KKH is also a Kaufmännische BKK), and digital service investment.
• DAK-Gesundheit: Large German statutory health insurer with ~5.5M insured members, offering a digital-first service app (DAK App) and extensive prevention/bonus programs. Directly comparable to BKK Linde as a nationwide statutory fund with employer and family segments.
• HEK Hanseatische Krankenkasse: Mid-sized German statutory health insurer with a digital-first service app (HEK App) and emphasis on supplementary benefits. Direct comparable as a digitally-positioned, nationwide statutory fund competing for similar member demographics.
• SBK (Siemens-Betriebskrankenkasse): Statutory company health insurer originated from Siemens with ~750K insured members. Highly comparable structural origin (Betriebskrankenkasse of a major industrial employer), nationwide opening, digital positioning (SBK App), and member-segment focus.

Regional players

• AOK Hessen: Regional AOK covering the same Hesse/Wiesbaden geography as BKK Linde's headquarters. Operates as a statutory health insurer with similar product portfolio but is tied to a single German state. Strong direct competitor for BKK Linde's home-market insured members.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/bkklinde
• Facebookfacebook.com/BKKLinde
• LinkedInlinkedin.com/company/bkk-linde

Compliance1 record

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 BKK Linde