What energie BKK does

energie-BKK is a German statutory health insurance fund (gesetzliche Krankenkasse / Betriebskrankenkasse) organized as a Körperschaft des öffentlichen Rechts mit Selbstverwaltung under SGB V, headquartered in Hannover at Oldenburger Allee 24 with an additional service center at Prinzenstraße 3. It operates as a public-law corporation under legal supervision of the Bundesamt für Soziale Sicherung, with Vorstand Torsten Dette leading the executive board and Melanie Schley heading the Vertriebsteam as Vertriebsleiterin. Membership is open across Germany, with the fund serving five priority segments: families, Best Ager (50+), students and trainees, employed persons, and self-employed persons.

Revenue is generated primarily through legally mandated statutory health insurance contributions set at the national standard rate (14.6% of gross income up to the Beitragsbemessungsgrenze) plus an insurer-specific Zusatzbeitrag (supplementary contribution rate), split between employer and employee, with self-payer contributions, employer remittances, and Gesundheitsfonds government subsidies providing additional inflow. A Wahltarif PrämiePlus offering cashback of up to €400/year (€1,200 over three years) functions as a risk-selection and retention mechanism. Distribution combines a D2C online application portal, a multi-line phone service hotline, a national field sales team at events, a dedicated employer portal with BGM consulting, and physical service centers.

The technology platform is built around two member-facing applications: the Meine energie-BKK App (general online member self-service for documents, applications, and policy management with SMS-based 2FA) and the Meine energie-BKK ePA App (electronic patient record, e-prescription, and TI-Messenger secure messaging, authenticated via GesundheitsID or eGK+PIN across iOS, Android, Windows, macOS, and Linux). Core IT infrastructure is operated by itsc GmbH with BITMARCK Service GmbH providing extended services, gematik governing the Telematikinfrastruktur standards, and Versichertenhelpdesk providing first-level ePA chatbot support. Supplementary digital services include a 24/7 physician hotline (Arzthotline), video doctor consultation (Ärzte-Videochat), viatolea (food intolerance app), 7Mind (meditation), Aktivbonus/Präventionskurse prevention programs, Schwangerschaft & Entbindung maternal care, and a private supplementary insurance product (ExtraPlus).

Name

energie BKK

Legal name

energie-BKK

Website

https://energie-bkk.de

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

101–250 employees

Short description

energie-BKK is a German statutory health insurance fund (gesetzliche Krankenkasse) headquartered in Hannover, offering regulated health insurance plus digital services (ePA, e-prescription, TI-Messenger, supplementary apps) to families, students, employees, self-employed, and Best Ager members across Germany.

Ownership category

akta.pro rank

Headquarters

HQ city

Hanover

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: energie BKK is a statutory health insurance fund (Gesetzliche Krankenkasse) in Germany. Revenue is generated primarily through legally mandated health insurance contributions collected from members (employees, self-employed, and other eligible groups) and their employers. Contributions are set by the national standard contribution rate plus the insurer-specific supplementary contribution rate. The employer and employee each pay half of the total contribution.
2. Self-Payer Contributions: Self-paying members (e.g., self-employed, voluntarily insured persons) pay contributions directly based on their income or a fixed minimum basis.
3. Employer Contributions: Employers co-finance statutory health insurance for their employees by paying a fixed percentage of gross salary, remitted alongside employee contributions.
4. Government Subsidies: The German government provides income-based subsidies for certain insured groups (e.g., pensioners, persons receiving unemployment benefits) via transfers through the Gesundheitsfonds.
5. Wahltarif PrämiePlus Cashback: Members can enroll in the PrämiePlus optional tariff. If they incur no or only selected low-cost healthcare utilization within a year, they receive a cashback premium of up to 400 EUR annually (up to 1,200 EUR over three years). This operates as both a retention and risk-adjustment mechanism.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

energie BKK is a German statutory health insurance fund (gesetzliche Krankenkasse / Betriebskrankenkasse) providing legally mandated health insurance coverage for employees, families, students, self-employed, and pensioners across Germany. It delivers core medical, hospital, prescription drug, maternity, sick pay (Krankengeld), and long-term care benefits, complemented by a digital service suite including electronic patient records (ePA), e-prescription, TI-Messenger, and supplementary benefit programs.

Product overview

energie BKK is a German statutory health insurance provider (Betriebskrankenkasse) offering a multi-platform digital service portfolio. The core offering comprises two primary digital products: the 'Meine energie-BKK App' as the general member portal for insurance services, and the 'Meine energie-BKK ePA App' as a dedicated application for the electronic patient record (ePA), electronic prescription (E-Rezept), and secure healthcare messaging (TI-Messenger). These are supplemented by health and wellness apps including viatolea (food intolerance identification) and 7Mind (meditation), alongside cashback tariff programs (PrämiePlus Wahltarife), preventive health programs (Aktivbonus & Präventionskurse), and 24/7 medical advisory services. All services are accessible via the member portal, with select offerings available through partner integrations with Germany's telematics infrastructure (gematik). The company positions itself as a digitally advanced insurer with multiple award recognitions for family, pregnancy, and student health services.

Differentiator

Problem solved

Functional benefit

Brands

• Meine energie-BKK App: Online service app for members to manage their health insurance, submit documents, and access services
• Meine energie-BKK ePA App
• viatolea App

Products and services

• Meine energie-BKK App (Online-Service) Member self-service portal available as iOS/Android mobile app and web application, enabling 24/7 access to policy management, document upload, certificate requests, applications, benefits enrollment, and secure messaging with the insurer. Uses two-factor authentication via SMS code.
• Meine energie-BKK ePA App Dedicated mobile and desktop application for accessing the electronic patient record (ePA), E-Rezept, and TI-Messenger. Supports authentication via GesundheitsID or electronic health card with PIN. Available on iOS, Android, Windows, macOS, and Linux.
• 24/7 Arzthotline (Physician Hotline) Round-the-clock medical advice hotline providing 24/7 access to medical advice and information for members via telephone.
• Ärzte-Videochat (Doctor Video Consultation) Video consultation service allowing members to consult with doctors via video call, providing remote medical advice without requiring an in-person visit.
• viatolea App Mobile application for identifying food intolerances, helping users recognize food incompatibilities and manage dietary choices.
• 7Mind App Meditation and mindfulness application offered as a digital health benefit to members, designed to support mental balance and well-being.
• Wahltarife mit Cashback (PrämiePlus) Optional 3-year self-liability tariff allowing members to receive annual cashback rewards of up to 400 EUR (up to 1,200 EUR over 3 years) when utilizing fewer selected health services during the year.
• Aktivbonus & Präventionskurse Prevention and wellness program offering bonus rewards and subsidies for health courses and preventive health activities across all member segments.
• Schwangerschaft & Entbindung (Maternity Program) Comprehensive maternal health program providing coverage and support services for pregnancy and childbirth, recognized with the ELTERN Beste Krankenkasse award in the Schwangerschaft & Geburt category for 2026.
• Private Zusatzversicherung ExtraPlus Supplementary private insurance product offered in partnership for energie BKK members, providing additional health coverage beyond the standard statutory insurance.

Quantifiable outcome

• Cashback of up to 400 EUR per year via PrämiePlus tariff (1,200 EUR over 3-year commitment)
• +3 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability7 records

Feature6 records

Partnerships

Seven partnerships are on record, tiered core and minor.

• itsc GmbHcoreTechnology or Integrationitsc GmbH serves as the primary data center (Rechenzentrum) and IT service provider for energie BKK, hosting and managing the health insurer's core IT infrastructure, data processing systems, and digital health platforms in compliance with German social data protection law.
• BITMARCK Service GmbHcoreTechnology or IntegrationBITMARCK Service GmbH provides extended IT services and system support for energie BKK's health insurance operations, supplementing the core itsc GmbH infrastructure. BITMARCK is a specialized IT services company for the German health insurance sector.
• Versichertenhelpdesk (VHD)coreTechnology or IntegrationThe Versichertenhelpdesk (VHD) is an external service provider (Auftragsdatenverarbeiter) that handles first-level support for energie BKK's ePA (electronic patient record) services, including chatbot-based support for the Meine energie-BKK ePA App. It is an official contracted partner within the gematik-certified ePA ecosystem.
• gematik GmbHcoreTechnology or Integrationgematik GmbH is the national agency for digital medicine in Germany, responsible for developing and governing the Telematikinfrastruktur (TI), electronic health card (eGK), electronic patient record (ePA), e-prescription, and related digital health standards that energie BKK implements in its member services.
• Facebook (Meta Platforms)minorOthersenergie BKK maintains a presence on Facebook and Instagram (Meta platforms) for social media engagement and communication with members. energie BKK uses Meta's social plugins on its website.
• YouTube (Google)minorOthersYouTube video platform is used to embed video content on energie-bkk.de. The platform is operated by YouTube, LLC, a subsidiary of Google Inc. energie BKK uses YouTube's enhanced privacy mode.
• VimeominorOthersVimeo video platform plugins are embedded on energie-bkk.de for video content delivery.

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• IKK classic: Largest German Innungskrankenkasse (IKK) offering statutory coverage plus supplementary benefits and digital services. Comparable to energie-BKK as a full-service statutory insurer competing on Zusatzbeitrag and benefit breadth.
• DAK-Gesundheit: Major German statutory health insurer with around 5.6 million members, offering statutory coverage plus supplementary benefits and digital services. Comparable to energie-BKK in multi-segment positioning and competition on Zusatzbeitrag and supplementary benefits.
• Barmer: Large German statutory health insurer (Ersatzkasse) with approximately 8.6 million members, offering statutory coverage plus supplementary benefits and digital health services. Comparable to energie-BKK in scale, multi-segment positioning, and emphasis on digital member channels.
• BIG direkt gesund: Direct statutory health insurer focused on digital-first member service and competitive Zusatzbeitrag. Comparable to energie-BKK's emphasis on digital channels, app-based self-service, and competitive supplementary rates.
• Pronova BKK: Mid-sized German Betriebskrankenkasse offering statutory coverage plus supplementary benefits including cashback-style programs. Comparable to energie-BKK in BKK structure, benefit bundling, and cashback/Wahltarif offerings.
• HEK Hanseatische Krankenkasse: Smaller German statutory health insurer based in Hamburg, similar in mid-size scale to energie-BKK. Offers statutory coverage plus supplementary benefits with comparable segment mix of working professionals, families, and self-employed.
• KKH Kaufmännische Krankenkasse: Mid-sized German statutory health insurer focused on white-collar workers and families, with comparable scale and similar emphasis on supplementary benefits and digital services for working professional and family segments.
• Techniker Krankenkasse (TK): Germany's largest Betriebskrankenkasse with approximately 12 million members, widely recognized for strong digital services and industry awards. Directly comparable to energie-BKK as a digitally-advanced BKK competing on service quality, supplementary benefits, and segment-specific recognition.
• Audi BKK: Mid-sized Betriebskrankenkasse originally tied to Audi employees, now open to general membership. Comparable to energie-BKK in BKK structure, statutory coverage with supplementary benefits, and digital service portfolio.

Broad incumbents

• AOK (Allgemeine Ortskrankenkasse): The largest group of German statutory health insurers with approximately 27 million members collectively across 11 regional AOKs. Operates as a broad incumbent offering the same statutory coverage plus supplementary benefits, but as a federated network rather than a single specialized insurer.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xxing.com/pages/energie-bkk
• Facebookfacebook.com/energieBKK
• LinkedInde.linkedin.com/company/energie-bkk
• Instagraminstagram.com/energie_bkk
• TikToktiktok.com/@energiekrew

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 energie BKK