SKD BKK

What SKD BKK does

SKD BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) organized as a Körperschaft des öffentlichen Rechts under §4 Abs. 1 SGB V, with self-administration and a dual governance model (Verwaltungsrat and Vorstand). Founded in 1897 and headquartered in Schweinfurt, the fund serves statutory insured persons across Germany — primarily employees, plus trainees, students, pensioners, voluntary/self-employed members, and family co-insurees — through a statutory contribution model with a fund-specific additional contribution of 2.98% as of January 1, 2026. It operates alongside a separate Pflegekasse (statutory nursing care insurance) as a core product line. The fund is marketed as 'die neue S-Kasse' with the UNLimited Edition premium benefit package positioned above statutory minimums (100% reimbursement for health courses, osteopathy sessions, professional dental cleaning, and earlier cancer screenings).

The company's digital infrastructure is built on the federal gematik telematics stack and operated in partnership with BITMARCK GmbH. Core digital products include the Elektronische Patientenakte (ePA) — rolled out to all insured persons on January 15, 2025 under §342 SGB V — with integrated E-Rezept (electronic prescription), TI-Messenger (encrypted provider messaging), and access to the Organspende-Register (organ donation registry). Members access services via the SKD BKK App (iOS 16.0+, Android 10.0+) and a web-based Online-Geschäftsstelle with two-factor authentication. Identity verification leverages eGK/eID/PostIdent. The fund also offers BGM (occupational health management) consulting to employers, the FitPlus bonus program, the UNKAPUTTBAR resilience campaign, and telemedicine/app-based digital health services.

Revenue derives from mandatory statutory health insurance contributions plus the 2.98% additional rate, levied on gross employment income up to the contribution assessment ceiling and split 50/50 between employer and employee. BGM employer services are provided free of charge, with Umlageversicherung processing handled by BKK-Arbeitgeberversicherung. Go-to-market is direct-to-consumer through online enrollment, a national service hotline, four physical branches (Schweinfurt HQ, Coburg, Karlstadt, Lüchow), and the Mitglieder werben Mitglieder member-referral program. The Vorstand is led by Manfred Warmuth; the Verwaltungsratsvorsitz rotates annually between Anna Krimmel and Norbert Völkl.

Name

SKD BKK

Legal name

SKD BKK – Körperschaft des öffentlichen Rechts

Website

https://skd-bkk.de

Company type

Private

Founded year

1897

Operating status

Operating

Headcount range

11–50 employees

Short description

SKD BKK is a German statutory health insurance fund (public law corporation) headquartered in Schweinfurt, providing SHI coverage, nursing care insurance, and a premium UNLimited Edition benefits package to employees, students, pensioners, freelancers, and families across Germany.

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

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

akta.pro primary industry

TANF/CHIP Managed Care Plans (HLAEAEAA)

Keywords

• Statutory health insurance
• Nursing care insurance
• Occupational health management
• Health prevention programs
• Electronic health records

Headquarters

HQ city

Schweinfurt

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Contributions: SKD BKK generates revenue through statutory health insurance contributions. The total contribution rate consists of a legally prescribed general or reduced rate plus a health fund-specific additional contribution rate. As of 01.01.2026, the additional contribution rate is 2.98%, shared equally (50/50) between employer and employee since 2019. Contributions are levied on gross employment income up to the contribution assessment ceiling.
2. Employer Services Revenue: Revenue from providing employer services including BGM (occupational health management) consulting, which is provided free of charge to employers, and Umlageversicherung (levy insurance) for continued payment of wages during illness.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

SKD BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) operating as a public law corporation. It provides mandatory health and long-term nursing care (Pflegeversicherung) insurance to its members, covering medical treatment, preventive care, health courses, osteopathy, dental services, vaccinations, and sick pay. Beyond the statutory catalogue, the fund offers premium benefit packages (e.g., UNLimited Edition), bonus programmes (FitPlus), wellness packages (Body Tuning), and occupational health management (BGM) for employers, supplemented by digital services such as the electronic patient record (ePA), mobile app, and online portal.

Product overview

SKD BKK is a German statutory health insurance provider (gesetzliche Krankenkasse) operating as a public law corporation. The company offers a multi-channel service portfolio centered on its core health insurance products, supplemented by digital services and premium packages. The primary digital platform consists of the SKD BKK App (mobile application for iOS and Android) and the Online-Geschäftsstelle (web-based member portal), both enabling members to manage insurance affairs, submit documents, and access services. The company provides the Elektronische Patientenakte (ePA) as a federally mandated electronic health record with integrated modules including E-Rezept (electronic prescription), TI-Messenger (secure messaging), and Organspende-Register (organ donation registry). Premium offerings include the UNLimited Edition health package with comprehensive coverage and the FitPlus bonus program. SKD BKK also offers employer services through its Betriebliches Gesundheitsmanagement (BGM) program, and the UNKAPUTTBAR resilience campaign for member wellness.

Differentiator

Problem solved

Functional benefit

Brands

• UNLimited Edition: Premium health package offering enhanced benefits including fully covered health courses, osteopathy sessions, professional teeth cleaning, glaucoma screening, family health budget, breast cancer screening, colorectal cancer screening (starting age 45), and sports medicine examinations.

Products and services

• Statutory Health Insurance Membership
• Nursing Care Insurance (Pflegekasse)
• UNLimited Edition Premium Package
• Betriebliches Gesundheitsmanagement (BGM)
• FitPlus Bonus Programme
• Body Tuning Package

Segments7 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

Feature6 records

Partnerships

Four partnerships are on record, tiered core and minor.

• BITMARCK GmbHcoreTechnology or IntegrationBITMARCK GmbH (Krupp-Straße 64, 45145 Essen) serves as the operator and technical provider of the ePA (electronic patient record) app for SKD BKK. They operate data centers in Essen and Hamburg, managing the IAM (Identity & Access Management) module, signature services, certificate management, and the account management system. BITMARCK also provides the core platform infrastructure for the Online-Geschäftsstelle.
• gematik GmbHcoreTechnology or Integrationgematik GmbH is the government-mandated organization responsible for developing and overseeing the telematics infrastructure in German healthcare. They set standards and requirements for the ePA, eRezept, and other digital health applications that SKD BKK must comply with.
• BKK-ArbeitgeberversicherungminorOthersBKK-Arbeitgeberversicherung (Olvenstedter Chaussee 126, 39130 Magdeburg) is responsible for the Umlageversicherung (levy insurance) procedures for SKD BKK, handling employer obligations for continued payment of wages during employee illness.
• DSG1 GmbHminorImplementation/ SI/ Consulting PartnerDSG1 GmbH (www.dsg1.de) provides web design and CMS services for the SKD BKK website. They also conducted the accessibility assessment of the website in June 2025.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Techniker Krankenkasse (TK): Largest single statutory health insurance fund in Germany by membership. Operates under the same gesetzliche Krankenkasse framework as SKD BKK with regulated contribution rates plus a fund-specific additional contribution, offering digital ePA services and competing for the same switchable member pool.
• Barmer: Major nationwide statutory health insurance fund with similar gesetzliche Krankenkasse structure, digital ePA offerings, and additional benefit programs. Competes with SKD BKK for switchable members across Germany.
• BIG direkt gesund: Direct statutory health insurance fund positioning on low additional contribution rates, competing directly for price-sensitive members that SKD BKK might lose if its 2.98% additional contribution rises.
• AOK Bayern: Regional AOK (Allgemeine Ortskrankenkasse) operating in Bavaria — the same primary operating geography as SKD BKK's Schweinfurt, Coburg, and Karlstadt branches. Directly competes for the same employer-sponsored SHI members in the same Bavarian market.
• KKH Kaufmännische Krankenkasse: Nationwide statutory health insurance fund with similar mid-sized positioning and digital service offering. Competes for the same SHI switching member demographic across Germany.
• Siemens BKK: Another large Betriebskrankenkasse with similar corporate-heritage roots, providing directly comparable statutory health insurance products and competing for switchable members in Germany.
• Audi BKK: Other company-affiliated Betriebskrankenkasse operating under the same BKK legal framework. Direct structural peer with similar heritage as an employer-rooted BKK, competing for members in southern Germany.
• IKK classic: Largest Innungskrankenkasse (trade-craft health insurance fund) operating under the same statutory framework, with comparable digital platform and additional contribution structure.
• DAK-Gesundheit: Large nationwide statutory health insurance fund offering comparable digital services, ePA access, and additional benefit programs. Targets the same German SHI member pool with similar premium positioning strategies.

Others

• BITMARCK GmbH: Technology and operations provider serving multiple BKK funds including SKD BKK; not a direct competitor but an infrastructure peer whose services define the digital capabilities of BKK funds industry-wide.

Market position

Strengths4 records

Weaknesses3 records

Competitive moat5 records

Key risks4 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/profile.php
• Xx.com/skdbkk
• LinkedInlinkedin.com/company/skd-bkk

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 SKD BKK