BKK24

What BKK24 does

BKK24 is a German statutory health insurance fund (Betriebskrankenkasse) founded in 1884 in Obernkirchen, Lower Saxony, and organized as a Körperschaft des öffentlichen Rechts mit Selbstverwaltung under Rechtsaufsicht of the Bundesamt für Soziale Sicherung in Bonn. It insures approximately 105,000-110,000 members nationwide across diversified segments — families, employees, self-employed, students/apprentices, seniors, and employer groups — and operates from a 140-year-old headquarters at Sülbecker Brand 1, Obernkirchen, with additional ServiceCenters in Pegnitz and Nürnberg for Pflegekasse services.

The core technology stack consists of a password-protected web portal (Online-Geschäftsstelle), a mobile app, an NLP-driven Chat-Bot for first-level member support, and electronic data interchange infrastructure for employer-side services including the Elektronische AU (eAU) sick-note processing pipeline that replaced paper certificates in January 2023. Marketing and analytics layers use Matomo, etracker, rapidmail, Facebook Pixel, LinkedIn/Instagram joint-controller integrations, and Cookiebot, with EU/Microsoft Azure data residency. The differentiating offering is the award-winning "Länger besser leben." wellness program, supported by an affiliated institute at Hochschule Weserbergland, a course database, partner network, and the "einfach gesund!" podcast.

Revenue is generated through mandatory statutory health insurance contributions set under German law (14.6% general rate plus supplemental rates), shared 50/50 between employer and employee for those below the income threshold, collected on a monthly subscription cadence; voluntary members pay the full rate plus an income-based surcharge. Go-to-market is direct-to-consumer via a nationwide hotline, physical service centers, online portal, and social/content channels, supplemented by a separate employer-channel motion for group enrollments. Since 2012 BKK24 has held Germany's first sustainability certification for a statutory health insurer, and it ranks #1 in the CHAMPION insurance category 2025.

Name

BKK24

Legal name

BKK24

Website

https://bkk24.de

Company type

Private

Founded year

1884

Operating status

Operating

Headcount range

51–100 employees

Short description

BKK24 is a German statutory health insurance fund (Betriebskrankenkasse) founded in 1884, serving approximately 105,000-110,000 insured members nationwide through online portals, mobile apps, service centers, a 24/7 hotline, and employer partnerships, with a differentiated "Länger besser leben." wellness program.

Ownership category

akta.pro rank

Headquarters

HQ city

Obernkirchen

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

Revenue model

1. Statutory Health Insurance Contributions: As a statutory health insurance provider (gesetzliche Krankenkasse), BKK24 generates revenue through mandatory health insurance contributions paid by employees and employers. Contribution rates are set by German law and shared equally between employer and employee.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

BKK24 is a German statutory health insurance fund (gesetzliche Krankenkasse / Betriebskrankenkasse) providing mandatory health insurance coverage to approximately 105,000-110,000 members nationwide. Its core offering is regulated monthly contribution-based health insurance, supplemented by extensive extra benefits (dental cleaning, osteopathy, acupuncture, homeopathy, health courses, bonus programs) and the proprietary „Länger besser leben." wellness program. BKK24 also delivers dedicated employer services for employee enrollment, contribution management, and electronic sick note (eAU) processing.

Product overview

BKK24 is a German statutory health insurance provider (gesetzliche Krankenkasse) operating as a Körperschaft des öffentlichen Rechts with approximately 105,000-110,000 insured persons nationwide. The product portfolio centers on a unified member services ecosystem: the Online-Geschäftsstelle (password-protected member portal) and BKK24 App form the core digital channel, supplemented by an AI-powered Chat-Bot for automated inquiries. The flagship health program "Länger besser leben." — encompassing the affiliated Institute at Hochschule Weserbergland, course database, health guides, and the "einfach gesund!" podcast — differentiates BKK24 as an innovative wellness-focused insurer. For employers, the Arbeitgeber-Services platform handles contributions, SEPA mandates, and the Elektronische AU (eAU) system. All offerings are backed by 24/7 telephone service and nationwide service centers.

Differentiator

Problem solved

Functional benefit

Brands

• Länger besser leben. A scientifically-based health and wellness program focused on improving well-being and health outcomes for BKK24 members.

Products and services

• Online-Geschäftsstelle (Member Portal) Password-protected online portal enabling insured members to access services, submit documents, upload photos for electronic health cards, and manage insurance matters online 24/7.
• BKK24 App Mobile application allowing members to access services, offerings, and features on the go, including policy management and claims tracking.
• Chat-Bot Automated NLP-based chatbot on the BKK24 website providing instant responses to common questions about insurance services, health topics, and account inquiries; falls back to human advisors for complex issues.
• „Länger besser leben." Wellness Program Award-winning science-based health and wellness program focused on improving wellbeing and health outcomes. Includes the affiliated Institute at Hochschule Weserbergland, a course database, health guides, partner network, and the „einfach gesund!" podcast.
• 24/7 Telefonservice Round-the-clock telephone customer service available to members nationwide, complementing digital services and physical service center locations.
• Arbeitgeber-Services (Employer Services) Comprehensive digital services for employers including SEPA direct debit mandates, annual information, forms, contributions calculation tools, interactive calculators, workplace health management (BGM), and electronic AU processing.
• Elektronische AU (eAU) Electronic Sick Note Electronic sick note system where doctors transmit incapacity-for-work certificates directly to BKK24, replacing paper-based yellow slips. Employers retrieve data electronically via system-checked payroll software.

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability2 records

Feature2 records

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• DAK-Gesundheit: Top-5 German SHI with several million members. Direct peer: nationwide statutory health insurance, comparable employer services, similar extra benefits positioning, and uses similar digital acquisition channels.
• IKK classic: Largest Innungskrankenkasse in Germany with several million members. Direct peer: same statutory health insurance regime, similar employer services, and competes on extra benefits and digital member experience.
• KKH Kaufmännische Krankenkasse: Medium-sized German SHI focused on commercial/trade sector employees. Direct peer: similar size tier to BKK24, comparable digital portal, and competes for the same employer-sponsored member pool.
• Techniker Krankenkasse (TK): Largest German statutory health insurer with ~11M members. Direct peer: operates under identical gesetzliche Krankenversicherung framework, offers the same extra benefits model, and competes for the same employer-sponsored and individual member pool.
• Audi BKK: Company-linked BKK originating from Audi, now open. Direct peer: structurally closest to BKK24 — both originated as Betriebskrankenkassen for a specific employer, comparable member size, similar employer services model.
• SBK (Siemens-Betriebskrankenkasse): Company-linked BKK originating from Siemens. Direct peer: same Betriebskrankenkasse origin as BKK24 (which started with the Beck company), similar extra benefits model, similar employer services emphasis.
• AOK (Allgemeine Ortskrankenkasse): Federation of 11 regional AOKs and the largest SHI group in Germany (~26M members). Direct peer: regional AOK Niedersachsen competes in BKK24's home market. Same contribution structure, broad service center footprint.
• Mobil Krankenkasse: Smaller open German SHI (formerly BKK Mobil Oil). Direct peer: comparable BKK scale, similar extra benefits positioning, and serves the same nationwide D2C and employer channel.
• Barmer: Major German SHI with ~8M members. Direct peer: same regulatory regime, very similar employer services and digital channel structure, and competes directly on extra benefits and service quality rankings.
• hkk (Hanseatische Krankenkasse): Smaller German SHI with strong northern German presence. Direct peer: comparable size, competes on Zusatzbeitragssatz and extra benefits, and uses similar D2C-plus-employer acquisition model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@BKK24Krankenkasse
• Facebookfacebook.com/BKK24
• LinkedInlinkedin.com/company/bkk24
• Instagraminstagram.com/bkk24_krankenkasse
• Xx.com/BKK_24

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 BKK24