BKK Wirtschaft & Finanzen

What BKK Wirtschaft & Finanzen does

BKK Wirtschaft & Finanzen (BKK W&F) is a German statutory health insurance fund (Betriebskrankenkasse) operating as a public-law corporation with self-administration (Körperschaft des öffentlichen Rechts mit Selbstverwaltung), headquartered at Bahnhofstraße 19, 34212 Melsungen. The fund is supervised by the Bundesamt für Soziale Sicherung (BAS) in Bonn and regulated under the German Social Code (SGB). Its primary customer segment is employees of partner companies, with secondary segments covering students, families, and voluntarily insured individuals (freelancers, self-employed). BKK W&F is available nationwide with restrictions in four federal states (Schleswig-Holstein, Mecklenburg-Vorpommern, Saxony-Anhalt, Thuringia).

The fund operates a digital-first service platform built on a multi-vendor technology stack. Core infrastructure includes the Online-Geschäftsstelle (OGS) web portal and mobile app (Meine BKK W&F OGS), hosted and operated by BITMARCK GmbH, of which BKK W&F is a long-standing shareholder. The electronic patient record application (Meine BKK W&F ePA) integrates the e-prescription (E-Rezept) function, the TI-Messenger for end-to-end encrypted communication with healthcare providers, organ donation registry access, and connection to the National Health Portal. Web hosting is provided by Hetzner Online GmbH (ISO 27001 certified), newsletter distribution by Sendinblue GmbH, and AI-powered customer chatbot by IONOS SE. Google ML Kit powers on-device document scanning within the ePA app. All digital services operate within a GDPR, BDSG, and SGB-compliant data protection framework.

BKK W&F's revenue model is subscription/recurring by structure: as a statutory health insurance fund it collects mandatory contributions from employees and employers at government-set rates, plus voluntary contributions from eligible self-insured persons, pensioners, and via supplementary insurance options (Zonstatutory add-on tariffs such as ExtraPlus Budget valued at €200). Membership enrollment is digital-first via a 5-minute online application. The fund holds a tied insurance agent registration (D-GBSY-XGYXS-18) with IHK Kassel-Marburg under §34d GewO for distributing supplementary insurance. As a not-for-profit public entity, BKK W&F has no shareholders, no parent company, and is governed by a dual executive leadership (Vorständerin Maribel Soto Sobrino-Bahri and deputy Florian Liese) under self-administration.

Name

BKK Wirtschaft & Finanzen

Legal name

BKK WIRTSCHAFT & FINANZEN

Website

https://bkk-wf.de

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

51–100 employees

Short description

BKK Wirtschaft & Finanzen is a German statutory health insurance fund (Betriebskrankenkasse) headquartered in Melsungen, providing mandatory health coverage to employees of partner companies, students, families, and voluntarily insured individuals nationwide (excluding four states), via a digital-first platform spanning ePA, OGS, e-prescription, and TI-Messenger services.

Ownership category

akta.pro rank

Headquarters

HQ city

Melsungen

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: As a statutory health insurance fund (Gesetzliche Krankenversicherung), BKK W&F generates revenue through membership contributions from employees and employers. Contributions are calculated based on a percentage of gross wages, with the rate set by the German government. The fund also receives contributions from pensioners and other eligible members.

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

BKK Wirtschaft & Finanzen is a German statutory health insurance fund (Betriebskrankenkasse) operating as a public-law corporation with self-administration. It delivers mandatory health insurance coverage to employees of partner companies, students, families, and voluntarily insured persons across most of Germany, complemented by a digital health ecosystem that includes the OGS self-service portal, the ePA app for electronic patient records, e-prescriptions, TI-Messenger secure communication, video consultations, a 24/7 health telephone, online skin checks, fitness programs, and supplementary insurance tariffs.

Product overview

BKK W&F operates a multi-platform digital health ecosystem centered on its statutory health insurance services. The core offerings include the Online-Geschäftsstelle (OGS) for member self-service, the Meine BKK W&F ePA App for electronic patient records (ePA), and various integrated digital health services. The ePA system integrates the e-prescription application, TI-Messenger secure communication, organ donation register access, and National Health Portal connection. Additional digital services encompass video consultation, health telephone, online skin checks, health courses (HausMed), fitness platform (Gymondo), fertility treatment support, and supplementary insurance tariffs. The company also provides accessibility tools including screen reader support, keyboard navigation, and font size adjustment features. BKK W&F utilizes AI-powered chatbot technology for customer communication and maintains social media presence on LinkedIn and YouTube.

Differentiator

Problem solved

Functional benefit

Products and services

• Meine BKK W&F OGS (Online-Geschäftsstelle) Primary digital self-service portal for insured members to manage health insurance matters, submit documents, access certificates of incapacity for work, and communicate with BKK W&F. Hosted by BITMARCK.
• Meine BKK W&F ePA App Electronic patient record mobile app enabling insured persons to access their electronic patient file, manage e-prescriptions, use the TI-Messenger for secure healthcare communication, access the organ donation register, and connect to the National Health Portal (gesund.bund.de). Available on iOS, Android, and desktop.
• E-Rezept (E-Prescription) Electronic prescription application integrated within the ePA app that allows insured persons to retrieve all electronic prescriptions issued by doctors and dentists, view medication information, and communicate with pharmacies. Redeemable via printout, app, or health insurance card.
• TI-Messenger Secure, interoperable electronic instant messaging service within the German telematics infrastructure enabling insured persons to communicate with authorized healthcare providers and BKK W&F via text, documents, and voice messages with end-to-end encryption.
• Elektronische Gesundheitskarte (eGK) The electronic health card serving as the primary identification and insurance verification document for insured members, enabling access to healthcare services and linking to the ePA system.
• Ärztliche Videoberatung (Medical Video Consultation) Medical video consultation service enabling insured persons to consult with doctors outside of regular practice hours via online video consultation.
• Gesundheitstelefon (Health Telephone) Round-the-clock telephone information service providing general health guidance and assistance in finding specialist appointments for insured members.
• Online-Hautcheck (Online Skin Check) Digital skin check service providing quick help for skin problems through online assessment for insured members.
• HausMed Gesundheitskurse Online health courses offered through HausMed partnership, enabling insured persons to engage in digital health and wellness programs.
• Gymondo Fitness and exercise platform partnership enabling members to stay active at home, work out, and strengthen their body through guided digital workouts.
• Kinderwunschbehandlung (Fertility Treatment) Fertility treatment support services provided by BKK W&F to support insured members through various aspects of their fertility treatment journey.
• Wahltarif ExtraPlus Budget Supplementary insurance tariff offering additional coverage valued at €200 for members who choose BKK W&F as their health insurance fund.

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration9 records

AI capability6 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• Vispato GmbHcoreTechnology or IntegrationVispato GmbH provides the whistleblower system (Hinweisgebersystem) for BKK W&F. The system allows anonymous reporting of potential rule violations including corruption, cartel formation, money laundering, human rights violations, and environmental offenses. The system guarantees highest security standards with anonymous mailbox functionality.
• BITMARCKcoreTechnology or IntegrationBITMARCK GmbH (Krupp-Straße 64, 45145 Essen) operates the central data processing system and hosts the Online-Geschäftsstelle (OGS) for BKK W&F. BKK W&F is a long-standing shareholder of BITMARCK along with many other health insurance companies. BITMARCK also provides the Identity & Access Management System (IAM) for registration and authentication.
• Hetzner Online GmbHcoreTechnology or IntegrationHetzner Online GmbH (Industriestr. 25, 91710 Gunzenhausen) provides web hosting services for the BKK W&F website.
• BKK Dachverband e.V.coreTechnology or IntegrationBKK Dachverband e.V. (Mauerstraße 85, 10117 Berlin) provides the BKK-Finder service integrated into the BKK W&F website. This includes BKK doctor finder, BKK midwife finder, BKK clinic finder, and BKK care finder functionality.
• gematik GmbHcoreTechnology or Integrationgematik GmbH sets specifications for electronic patient record (ePA) functions, e-prescription, and telematics infrastructure under legal supervision of the Federal Ministry of Health (BMG). The organization conducts approval procedures for ePA apps and related digital health services.
• LinkedInminorGTM or Marketing PartnerBKK W&F maintains a corporate LinkedIn presence at linkedin.com/company/bkk-wirtschaft-finanzen for company information and employer branding.
• YouTubeminorGTM or Marketing PartnerBKK W&F maintains a YouTube channel at youtube.com/c/bkkwirtschaftundfinanzen for video content distribution.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• IKK classic: Statutory health insurer operating in the IKK system with similar BKK-style positioning and comparable digital offerings. Most direct comparable peer to BKK W&F in terms of scale segment, regional limitations, and product mix.
• Mobil Krankenkasse (BKK Mobil Oil): BKK-system statutory health insurer with similar digital positioning and supplementary tariff strategy. Direct comparable peer for a smaller, digital-forward BKK competing in the same gesetzliche market.
• HEK Hanseatische Krankenkasse: Mid-sized statutory health insurer within the BKK/IKK-style positioning; competes on supplementary tariffs and digital member services. Comparable peer for the same target member profile.

Broad incumbents

• Barmer: Major nationwide statutory health insurer with a strong digital app (Barmer-App) and broad ePA offering. Direct comparator to BKK W&F on product, regulation, and digital self-service positioning; serves as a benchmark for member experience scale.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurer with ~11m insured; competes directly with BKK W&F in the same gesetzliche Krankenversicherung market, also invests in ePA and digital member services. Comparability: same product (statutory health insurance), same regulation, broader geographic reach.
• DAK-Gesundheit: Large nationwide statutory health fund offering comparable digital services including ePA and online member portals. Comparable on product, regulatory environment, and digital-first member experience strategy.

Others

• gematik GmbH: Not a competitor but the central digital health infrastructure authority in Germany that sets ePA, e-prescription, and TI specifications. Critical ecosystem partner and benchmark for BKK W&F's compliance and feature roadmap.
• BARMER ePA / TK-Safe (digital health record initiatives): Adjacent reference set for the ePA digital health record category BKK W&F competes in via its Meine BKK W&F ePA app. Relevant for benchmarking digital health record adoption and feature parity.

Peers

• KKH Kaufmännische Krankenkasse: Mid-sized statutory health insurer with nationwide availability and comparable digital services. Comparable as a similarly-sized Betriebskrankenkasse-style fund competing on member experience and supplementary tariffs.

Regional players

• AOK Hessen: Regional AOK health insurer covering a significant portion of Hessen, overlapping with BKK W&F's Melsungen headquarters geography. Comparable on product, regulation, and regional member acquisition dynamics.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/c/bkkwirtschaftundfinanzen
• LinkedInlinkedin.com/company/bkk-wirtschaft-finanzen

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 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 Wirtschaft & Finanzen