mhplus Krankenkasse

What mhplus Krankenkasse does

mhplus Krankenkasse (legal name: mhplus Betriebskrankenkasse) is a German statutory health insurance fund headquartered in Ludwigsburg, Baden-Württemberg, founded in 1952. As a Betriebskrankenkasse under public law, it provides mandatory GKV coverage to employees, families, apprentices, students, self-employed/freelancers, and retirees, generating revenue primarily through income-based contributions plus an individually set Zusatzbeitragssatz, with supplementary income from partner-distributed private insurance (PrivatEXTRA via SDK).

The operating model is digital-first: members transact via the mhplus Service-App, the Online-Filiale (mhplusdirekt), Elektronische Patientenakte, E-Rezept, and GesundheitsID, complemented by telemedical and digital health partnerships (TeleClinic, Keleya, medicalmotion, Neolexon) and cross-BKK programs (BKK STARKE KIDS, BKK Kinderwunsch). Member benefits exceed statutory minimums through Fitcash bonuses (up to €435/year), the BabyPlus-Paket (up to €660), pregnancy budgets (up to €250), fertility treatment subsidies (up to €800/€1,000 per cycle), household help, second medical opinions, and access to 120,000+ certified health courses.

Customer acquisition is multi-channel: direct website, comparison portals (Krankenkasseninfo.de), a Vertriebspartner broker portal for business customers, social media (Facebook, Instagram, X), and a €30 member-referral bonus. The fund has accumulated 14+ independent awards between 2025 and 2026 from FOCUS MONEY/DFSI, Handelsblatt, €uro, ELTERN, ServiceValue, and Frankfurt Analytics covering supplementary benefits, digital services, customer orientation, family services, and accessibility. Employee count is reported at 11-50, reflecting a lean operations model supported by automation and partner integrations.

Name

mhplus Krankenkasse

Legal name

mhplus Betriebskrankenkasse

Website

https://mhplus-krankenkasse.de

Company type

Private

Founded year

1952

Operating status

Operating

Headcount range

11–50 employees

Short description

mhplus Krankenkasse is a German statutory health insurance fund (Betriebskrankenkasse) founded in 1952 and headquartered in Ludwigsburg, serving individual members and families across Germany with regulated GKV coverage, digital health services, and award-winning supplementary benefits.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Health and Welfare Funds (525120), Health and Welfare Funds (52512), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

akta.pro secondary industries

Small Group Health Insurance (2–50/100) (FSAIAFAD), Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)

Keywords

• Statutory health insurance
• Gesetzliche Krankenkasse
• Health insurance Germany
• Betriebskrankenkasse services
• Supplementary health benefits

Headquarters

HQ city

Ludwigsburg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: As a German statutory health insurance fund (GKV), mhplus generates revenue primarily through mandatory health insurance contributions paid by members and their employers. Contributions are based on a percentage of gross income, split between employee and employer. An additional contribution rate (Zusatzbeitragssatz) is set by each fund individually.
2. Supplementary Private Insurance (via SDK Partnership): mhplus partners with SDK to offer private supplementary insurance products (PrivatEXTRA) to members who want additional coverage beyond the statutory package. SDK handles underwriting; mhplus serves as a distribution channel with preferred rates for members.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

mhplus Krankenkasse is a German statutory health insurance fund (Betriebskrankenkasse) that sells mandatory GKV health insurance memberships to individuals and families in Germany, with contributions collected monthly in accordance with German law. The core membership is augmented by a digital service platform (mhplus Service-App, mhplusdirekt), supplementary benefit budgets (Fitcash, BabyPlus, Schwangerschaftsbudget), telemedicine and digital health partnerships, and optional private supplementary insurance distributed through partner SDK.

Product overview

mhplus Krankenkasse is a German statutory health insurance provider offering a comprehensive digital ecosystem for its members. The core offering consists of the mhplus Service-App and Online-Filiale (mhplusdirekt) as primary digital channels for insurance management. These are complemented by specialized telemedical services including TeleClinic Premium (24/7 online doctor consultations), Keleya (digital midwife platform), and medicalmotion (digital pain treatment). The company provides extensive preventive care programs such as BKK STARKE KIDS (children's health), Fitcash bonus program, and Schwangerschaftsbudget (pregnancy budget). Digital health offerings include online courses, health travel programs, and approved digital health applications (DiGA). The portfolio also includes supplementary services like household assistance, second medical opinions, and electronic document management via E-Rezept, Elektronische Patientenakte, and GesundheitsID.

Differentiator

Problem solved

Functional benefit

Products and services

• Statutory Health Insurance Membership (GKV) Core statutory health insurance product for individual members and families in Germany, providing mandatory GKV coverage with income-based monthly contributions split between employee and employer. Open to employees, apprentices, students, self-employed, and retirees.
• PrivatEXTRA Supplementary Insurance Private supplementary insurance covering services beyond the statutory package, distributed in partnership with SDK with preferential rates for mhplus members. Includes coverage such as dental, vision, and complementary therapies.
• Wahltarife (Optional Tariffs) Optional statutory tariffs (Wahltarife) including contribution refunds, sickness benefits, and travel protection, offered as add-on choices within GKV membership.
• BabyPlus-Paket Pregnancy Package Comprehensive pregnancy/childbirth benefits package providing up to €660 in extra budget for insured pregnant women, including the €250 Schwangerschaftsbudget, midwife availability allowance, Baby Bonus, and additional prenatal care services.
• BKK STARKE KIDS Children's Health Program Cross-BKK pediatric preventive care program covering children from birth to age 18 with enhanced examinations, eye tests, speech assessments, telemedical expert consultations (PädExpert), digital long-term diaries (PädAssist/PädHome), and eczema treatment concept.
• BKK Kinderwunsch Fertility Treatment Program Cross-BKK fertility treatment initiative with approved fertility centers, offering enhanced subsidies (up to €800 per cycle for IVF, €1,000 for ICSI on the 4th attempt), cryo and blastocyst subsidies, and a raised female age limit (up to 42 years).
• TeleClinic Premium Telemedicine 24/7 telemedicine service offering online doctor consultations with specialists via video call at no additional cost to mhplus members.
• Fitcash-Gesundheitsbonus Bonus Program Annual health bonus program rewarding preventive examinations, professional teeth cleaning, sports activities, certified health courses, and vaccinations, offering up to €435 per year (Fitcash up to €180).
• mind+move App Health challenge mobile application offering three motivational step-counting challenges with a bonus of up to €60 per insured member.
• medicalmotion Digital Pain Treatment Digital pain therapy application offering tailored exercise programs, relaxation/breathing exercises, podcasts, a pain diary, and chat access to physiotherapists. Free for mhplus insurees aged 18+ for 6 months.
• Keleya Digital Midwife Platform Digital midwife platform offering live and video courses on pregnancy, birth, and postpartum, plus digital midwife consultations via chat, phone, or video call. Available free to mhplus-insured (expectant) mothers up to the child's first birthday.
• Disease Management Programme (DMP) Coordinated care program for chronic conditions such as diabetes, asthma, and coronary heart disease, providing structured continuous medical support to enrolled members.
• Haushaltshilfe Household Assistance Subsidized household help during hospitalization, rehabilitation, acute illness, pregnancy, or childbirth, including self-arranged help (up to €12.25/hour, max €98/day) and spouse caregiving reimbursement up to €94/day.

Named customers1 record

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration17 records

Feature10 records

Partnerships

Three partnerships are on record, tiered core.

• SDK (Süddeutsche Krankenversicherung)coreChannel Partner/ Reseller/ DistributorSDK is mhplus's exclusive partner for private supplementary insurance products (PrivatEXTRA). mhplus members receive preferential rates on SDK's supplementary insurance. The partnership allows mhplus to offer additional coverage options beyond statutory benefits, creating a full spectrum insurance offering. SDK handles underwriting while mhplus provides distribution through its member base.
• BKK STARKE KIDS Program Partners (Children's Healthcare Network)coreStrategic or Co-development PartnerBKK STARKE KIDS is a cross-BKK child health program involving a network of pediatricians, dermatologists, and specialists. mhplus participates in this program offering children and adolescents enhanced preventive care including PädExpert (expert consultation), PädAssist/PädHome (telemedicine follow-up), Neolexon speech therapy app, and an exclusive eczema treatment concept. The program coordinates care across multiple specialists for children with chronic conditions.
• BKK Kinderwunsch (Fertility Treatment Network)coreStrategic or Co-development PartnerThe BKK Kinderwunsch program is a cross-BKK fertility treatment initiative with a network of approved fertility centers. mhplus participates in this program offering enhanced subsidies for IVF, ICSI, cryo cycles, and blastocyst culture. Increases female age limit from 40 to 42 years for treatment coverage. Members must use participating fertility centers for enhanced subsidies.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bosch BKK: Large company-based BKK serving Bosch employees and open members, with strong digital infrastructure and participation in cross-BKK programs (BKK STARKE KIDS, BKK Kinderwunsch). Direct comparable to mhplus's BKK structure and benefit offerings.
• DAK-Gesundheit: Major German statutory health insurer offering similar GKV products plus supplementary dental and travel coverage. Competes with mhplus on additional benefits, fitness subsidies, and digital member portals.
• IKK classic: Largest member of the IKK (Innungskrankenkasse / craft-sector) family of statutory funds, offering GKV products nationally. Comparable as a statutory competitor in family benefits, prevention bonuses, and digital service offerings.
• Barmer: One of Germany's largest statutory health insurers with a strong emphasis on digital services (Barmer-App, telehealth) and family programs (Barmer Bonus, family insurance offerings). Directly comparable as a GKV competitor in member experience and supplementary benefits.
• Techniker Krankenkasse (TK): Largest German statutory health insurer (~11M members) with a strong digital-first ethos (TK-App, TK-Safe, online consultations). Comparable as a direct GKV competitor winning on member experience and digital services, serving the same employer-sponsored and family segments as mhplus.
• AOK Baden-Württemberg: Regional AOK covering the same Baden-Württemberg geography as mhplus, serving both employer groups and individuals under the GKV framework. Competes head-to-head on Zusatzbeitragssatz, family benefits, and digital service quality in the same local market.
• Mobil Krankenkasse: BKK-origin statutory health insurer historically affiliated with the Mobil石油 brand, now open to all members. Comparable because of its BKK heritage, technology-forward positioning, and participation in shared BKK programs like BKK STARKE KIDS and BKK Kinderwunsch.
• pronova BKK: One of the largest open BKK funds in Germany with corporate heritage, also participating in cross-BKK programs (BKK STARKE KIDS, BKK Kinderwunsch). Direct comparable to mhplus as a BKK with emphasis on employer-sponsored members and family benefits.
• KKH Kaufmännische Krankenkasse: Mid-sized statutory health insurer with origins in commercial/white-collar employer groups, offering comparable GKV coverage plus supplementary services. Comparable due to similar focus on prevention bonuses, family programs, and digital service channels.
• HEK - Hanseatische Krankenkasse: Open statutory health insurer based in Hamburg competing on supplementary services and digital offerings. Comparable to mhplus as a smaller-but-ambitious GKV fund competing on member experience and bonus programs.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/mhplus_news
• Facebookfacebook.com/mhplus
• Instagraminstagram.com/deine_mhplus/?hl=de
• LinkedInlinkedin.com/company/mhplus-betriebskrankenkasse

Compliance3 records

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 mhplus Krankenkasse