BKK VerbundPlus

What BKK VerbundPlus does

BKK VerbundPlus is a German statutory health insurance fund (Betriebskrankenkasse) headquartered in Biberach, Baden-Württemberg, that has been operating for over 130 years under Germany's social code (Sozialgesetzbuch V and XI). It provides compulsory health and long-term care insurance alongside supplemental benefits to insured members across all life stages — apprentices, students, working professionals, pregnant women, families, and retirees — plus B2B employer services for workplace health management (BGM). The fund is a public-law non-profit entity financed through legally regulated member and employer contributions, with no shareholders, funding rounds, or M&A activity.

The company has built a digital services platform layered onto its statutory insurance core, including the Onlinefiliale web portal and mobile app (iOS/Android) for 24/7 self-service, the VerbundPlus Campus health education platform, 24/7 TeleClinic telemedicine, the electronic patient record (ePA), e-prescription (E-Rezept), and the GesundheitsCockpit health dashboard. Clinical service integrations include second medical opinions through Medexo (orthopedic) and NCT Heidelberg (oncology), dental network access via DentNet® (under the ZahnfeeWelt sub-brand), and digital skin checks. Supplemental benefits include subsidized health courses (up to €300/year), health travel (up to €260), professional dental cleaning (up to €80/year), fertility treatment support (€200 per IVF/ICSI attempt), and the TOPgesund bonus program.

The company runs a three-channel go-to-market model: digital direct-to-consumer acquisition with a ~5-minute online enrollment flow, a Vertriebspartner agent network crossing automotive/household/liability insurance verticals, and a dedicated employer service division for B2B accounts. Marketing spans content, Instagram/Facebook/YouTube, CleverReach newsletters, BGM webinars, and a brand ambassadorship with Olympic biathlon medalist Justus Strelow. Awards include Euro Siegel 04/2026 for top additional benefits, prevention, and best dental care, plus Handelsblatt/DFSI 11/2025 recognition for nationwide best dental medicine and "Deutschlands beste Zahnkasse" rankings.

Name

BKK VerbundPlus

Legal name

BKK VerbundPlus

Website

https://bkk-verbundplus.de

Company type

Private

Founded year

1894

Operating status

Operating

Headcount range

11–50 employees

Short description

BKK VerbundPlus is a German statutory health insurance fund (Betriebskrankenkasse) operating nationwide under public law, providing compulsory health and long-term care coverage plus digital health services, wellness benefits, and employer BGM programs to insured members.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

TANF/CHIP Managed Care Plans (HLAEAEAA)

Keywords

• Statutory health insurance
• Company health fund
• Dental insurance coverage
• Telemedicine services
• Preventive healthcare

Headquarters

HQ city

Biberach

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

Revenue model

1. Statutory Health Insurance Contributions: Statutory health insurance contributions collected from employees, employers, and other insured persons as regulated by German social security law. Contribution rates are set by legislation.
2. Long-term Care Insurance Contributions: Compulsory long-term care insurance contributions collected alongside health insurance contributions.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

BKK VerbundPlus is a German statutory health insurance fund (Betriebskrankenkasse) providing mandatory health and long-term care insurance coverage under German social law. It supplements core statutory benefits with digital health services (Onlinefiliale app, electronic patient record, e-prescription, TeleClinic telemedicine), preventive care programs (health courses, vaccinations, screenings), dental care benefits via the ZahnfeeWelt portal and DentNet network, and employer-side workplace health management (BGM).

Product overview

BKK VerbundPlus is a German statutory health insurance company (Betriebskrankenkasse) offering a comprehensive digital health platform alongside traditional insurance services. The core offering consists of health insurance coverage with digital service extensions including the Onlinefiliale web portal and mobile app (iOS/Android), the VerbundPlus Campus health education platform, telemedicine via TeleClinic, and digital tools like the electronic health record (ePA), e-prescription (E-Rezept), and GesundheitsCockpit dashboard. The company is particularly recognized for its dental care brand ZahnfeeWelt and dental network DentNet®, along with wellness benefits including health courses (up to 300 EUR/year), health travel programs, and the TOPgesund bonus program. Additional services include second medical opinions through Medexo and NCT Heidelberg, household assistance, fertility treatments, and employer services for workplace health management.

Differentiator

Problem solved

Functional benefit

Products and services

• Onlinefiliale (Online Branch / App) Digital service platform available as a web portal and mobile app (iOS/Android) that enables insured members to submit applications, upload documents, check bonus points, report sick leave, send secure messages, and manage their health insurance 24/7.
• VerbundPlus Campus Free online health education platform offering courses, videos, checklists, and expert knowledge on topics including movement, nutrition, stress, sleep, and dental health, with content from Olympic biathlon medalist Justus Strelow.
• Elektronische Patientenakte (ePA) Electronic health record allowing insured members to store and manage their medical documents digitally.
• E-Rezept Electronic prescription system for digital processing of medical prescriptions.
• TeleClinic Telemedicine 24/7 video consultation service connecting insured members with experienced doctors via video chat, with exclusive premium benefits free of charge.
• GesundheitsCockpit Personal health dashboard providing an overview of health-related data and insurance benefits for insured members.
• TI-Messenger (TI-M) Healthcare-specific messenger service for secure communication between healthcare providers and patients over the German telematics infrastructure.
• Online-Hautcheck Digital skin screening service allowing members to have skin conditions evaluated online for early detection.
• ZahnfeeWelt Comprehensive dental care portal covering dental treatment, prosthetics, orthodontics, dentist search, DentNet network, and dental dictionary.
• Professionelle Zahnreinigung Annual professional teeth cleaning reimbursement of up to EUR 80 (80% of costs) for insured members.
• Gesundheitskurse Subsidized health courses with up to EUR 300 per year reimbursement (90% of course costs, max EUR 150 per course, up to 2 courses).
• Gesundheitsreisen Subsidized health travel programs including BKK-Aktivwoche (up to EUR 200) and fit for well programs (up to EUR 252).
• TOPgesund Bonusprogramm Annual bonus program rewarding preventive care and health activities with monetary premiums of up to EUR 100 per year.
• Haushaltshilfe (Household Help) Household assistance service for up to 26 weeks during ambulatory treatment for serious illness, pregnancy complications, or hospital/rehabilitation stays, with a daily co-payment of 10% (min EUR 5, max EUR 10) for those aged 18+.
• Ärztliche Zweitmeinung (Medical Second Opinion) Second medical opinion service covering statutory cases plus additional orthopedic operations and cancer diagnoses, with partners Medexo (orthopedic) and NCT Heidelberg (cancer).
• VersorgungsPLUS Integrated care program providing coordinated healthcare services across different medical providers.
• Betriebliches Gesundheitsmanagement (BGM) Workplace health management services for employers, including BGM consulting, health promotion programs, webinars on healthy leadership topics (stress, resilience, burnout prevention, sleep), and corporate wellness initiatives.
• Arbeitgeberservice (Employer Services) Employer services including social security reporting via the SV-Meldeportal, contribution management, SEPA direct debit handling, and compliance support.
• Künstliche Befruchtung (IVF/ICSI) Fertility treatment support covering 50% of costs for three treatments plus EUR 200 per attempt for IVF and ICSI.
• Zahnvorsorge für Kinder Children's dental care including EUR 100 for smooth surface sealing with braces and EUR 20 per tooth for fissure sealing of permanent molars.
• BKK GesundheitsFinder Doctor and healthcare provider finder tool to locate appropriate medical care.

Quantifiable outcome

• Reimbursement up to EUR 80 per year for professional dental cleaning
• +6 more outcomes

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature7 records

Partnerships

Four partnerships are on record, tiered core and minor.

• MedexocoreTechnology or IntegrationPartner for orthopedic second medical opinions. Provides free expert opinions for planned operations at knee, back, or hip when hospitalization referral, transfer, and medical findings are not older than 6 months. Online questionnaire and postal application options available.
• Nationales Centrum für Tumorerkrankungen (NCT) HeidelbergcoreTechnology or IntegrationCancer second opinion partnership with the National Center for Tumor Diseases in Heidelberg. Nationwide service requiring personal presentation at NCT after submitting documents. May provide access to clinical studies and innovative therapies under certain conditions.
• TeleCliniccoreTechnology or IntegrationTelemedicine partner providing 24/7 video consultation with experienced doctors throughout the year. Insured members enjoy exclusive premium benefits at no cost.
• GKV-Bündnis für GesundheitminorStrategic or Co-development PartnerPartnership in the prevention in settings of life (Prävention in Lebenswelten) initiative. Supports health promotion in kindergartens, schools, municipalities, clubs, and care facilities.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• DAK-Gesundheit: Large nationwide statutory health insurer operating under the same contribution-and-benefit rules as BKK VerbundPlus. Competes directly on digital services, family benefits, prevention programs, and employer services, with broader geographic reach.
• Barmer: Major nationwide statutory health insurer with ~8.6 million members. Operates under identical regulatory framework as BKK VerbundPlus, offers telemedicine, bonus programs, and family/coverage benefits; comparable customer base across all life stages.
• KKH Kaufmännische Krankenkasse: Nationwide statutory health insurer (commercial/white-collar focus) with similar mid-size scale to BKK VerbundPlus. Comparable product mix covering statutory benefits plus dental extras, telemedicine, and digital self-service — a particularly close like-for-like comp on scale.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurer with ~11 million members. Directly comparable as a federal-level statutory Krankenkasse competing for the same membership pool under the same regulatory contribution rules; TK offers similar digital services and bonus programs but at vastly greater scale.
• AOK Baden-Württemberg: The regional statutory health insurer for Baden-Württemberg, headquartered in the same state as BKK VerbundPlus. Provides directly overlapping services (statutory coverage, dental extras, BGM) and competes head-to-head for members in the company's home market.
• IKK classic: Largest IKK (craft-sector) statutory health insurer with nationwide reach. Directly comparable statutory Krankenkasse competing on benefits, digital services, and prevention offerings under identical federal contribution rules.
• Central Krankenkasse: A mid-size nationwide statutory health insurer competing in the same digitally-led mid-market segment as BKK VerbundPlus, with comparable bonus, dental, and telemedicine benefits.
• hkk Krankenkasse: Bremen-based statutory health insurer of comparable member scale to BKK VerbundPlus. Competes on the same digital, dental, and prevention value propositions under the federal contribution framework.
• Audi BKK: Corporate-rooted Betriebskrankenkasse directly comparable as a fellow BKK statutory fund. Competes for the same membership demographic (often through employer channels) with similar benefits structure and digital service levels.

Broad incumbents

• Allianz Private Krankenversicherung: Germany's largest private health insurer. Operates in the parallel private (PKV) tier rather than statutory GKV, but comparable in serving German consumers seeking health coverage; provides indirect competitive pressure for higher-income members who can opt out of statutory insurance.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@bkkverbundplus8373
• Facebookfacebook.com/BKK.VerbundPlus
• Instagraminstagram.com/bkk.verbundplus
• LinkedInlinkedin.com/company/bkk-verbundplus

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 VerbundPlus