BKK Faber-Castell & Partner

What BKK Faber-Castell & Partner does

BKK Faber-Castell & Partner is a statutory German health insurance fund (Betriebskrankenkasse) operating as a Körperschaft des öffentlichen Rechts mit Selbstverwaltung under German public law. Founded in 1844 by Lothar von Faber of the Faber-Castell industrial family, it is the oldest health insurance fund in Bavaria and serves insured members (employees, families, apprentices, seniors, and active-lifestyle individuals) primarily across Bavaria, with seven branch offices (Regen HQ, Amberg, Cham, Coburg, Nürnberg, Spiegelau, Weiden), mobile customer advisors, and a structured Vertriebspartner sales-partner network. Membership contributions are collected under the standard German GKV framework at a total rate of 17.08% of gross income (14.6% statutory base + 2.48% Zusatzbeitrag as of 2025), with the fund differentiating on a sub-average Zusatzbeitrag versus the GKV average of ~17.8% and on premium benefits bundled into the contribution (osteopathy up to €360/year, prevention courses up to €250/year, health travel subsidy €250, PremiumBonus up to €150+).

The operating stack centers on a digital self-service layer — BKK Service App (iOS/Android with biometric login, device-bound activation, 128-bit SSL), Online-Geschäftsstelle web portal, Elektronische Patientenakte (ePA) integration, and the BKK Vorteilsrechner — delivered in partnership with BITMARCK for app infrastructure, plus an internal IT function (Rudolf Mattausch, Abteilungsleiter Informationstechnologie). Member service channels span phone (Mon–Fri 07:30–20:00, Sat 09:00–13:00), video consultation (Videoberatung), live chat, callback service (Rückruf-Service), and in-person branch visits, with the explicit positioning of 'no call center' — all calls answered by qualified staff. Auxiliary product modules include BKK MedPlus disease management, Starke Kids by BKK pediatric health program, PremiumBonus, FeelGuad lifestyle, BKK4YOUng, klickdichgesund, and GesundGenuss auf Bayerisch content sub-brands, plus a co-development partnership with NÜRNBERGER Versicherung for supplementary insurance (dental, travel, inpatient, Pflege) at group rates without health examinations.

The business model is non-profit statutory insurance: revenue comes from mandatory contributions and is governed by regulator-set rates, with no equity owners and a self-governing Verwaltungsrat oversight structure. Member-facing performance benchmarks are the strongest quantitative signals available: #1 ranking and first-ever 'sehr gut' (1.45) grade in the M+M Versichertenbarometer 2024 (89 points, vs. TK 82 / BARMER 80), 97% member satisfaction in a 4,000-person 2024 survey, Rank 1 for 'would choose again' and 'would recommend,' plus 2025/2026 Deutschlands Beste (NMG/FOCUS-MONEY) and Preisbewusst exzellent (DFSI/FOCUS-MONEY) awards. Leadership comprises Vorstand Christian Pröbster and deputy Vorstand Marion Muhr.

Name

BKK Faber-Castell & Partner

Legal name

BKK Faber-Castell & Partner

Website

https://bkk-faber-castell.de

Company type

Private

Founded year

1844

Operating status

Operating

Headcount range

11–50 employees

Short description

BKK Faber-Castell & Partner is a German statutory health insurance fund (Betriebskrankenkasse) founded 1844 in Regen, Bavaria. It serves insured members across Bavaria via seven branch offices, digital self-service (mobile app, online portal), mobile advisors, and a sales-partner network, operating under the standard GKV contribution rate.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (52512)

SIC

Hospital & Medical Service Plans (6324), Services-Membership Organizations (8600)

akta.pro primary industry

Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH)

Keywords

• Statutory health insurance
• Health insurance fund
• Preventive healthcare benefits
• Supplementary health coverage
• Chronic disease management

Headquarters

HQ city

Regen

HQ country

Germany

HQ region

Europe

Offices7 records

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: BKK Faber-Castell & Partner operates as a statutory health insurance fund (Gesetzliche Krankenversicherung) in Germany. Revenue is generated through mandatory health insurance contributions collected from employees (approximately 14.6% of gross income as of 2024) and employers, plus a supplementary contribution rate (Zusatzbeitrag) of 2.48% as of 2025, totaling a contribution rate of 17.08%. Contributions are split between employer and employee. The fund also collects contributions for long-term care insurance (Pflegeversicherung).

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

BKK Faber-Castell & Partner operates as a statutory German health insurance fund (Betriebskrankenkasse), collecting regulated monthly member contributions and providing mandatory GKV coverage combined with bundled premium services such as osteopathy reimbursement, prevention courses, health travel subsidies, and the PremiumBonus rewards program. Member interactions are supported through physical branch offices, mobile customer advisors, the BKK Service App, and the Online-Geschäftsstelle web portal, with dedicated programs for families (Starke Kids), chronic disease management (BKK MedPlus), and international coverage (Auslandsschutz).

Product overview

BKK Faber-Castell & Partner operates as a Bavarian statutory health insurance provider offering a unified digital platform alongside traditional insurance services. The core product portfolio centers on the BKK Service App (mobile application) and Online-Geschäftsstelle (web portal), which together provide members with 24/7 access to insurance management, document submission, PremiumBonus claims, and the Elektronische Patientenakte (ePA) for electronic health records. Supporting modules include the Bonusprogramm PremiumBonus (reward program), Starke Kids by BKK (pediatric health program), BKK MedPlus (chronic disease management), and various supplementary services such as osteopathy reimbursement, international coverage, health travel subsidies, and prevention courses. The offering also integrates partner services including NÜRNBERGER supplementary insurance products. The architecture combines a mobile-first app experience with web-based self-service, all connected to internal systems for real-time member data management.

Differentiator

Problem solved

Functional benefit

Brands

• BKK Service App: Digital mobile application for members to manage their health insurance services, submit documents, and access benefits
• PremiumBonus
• PremiumLeistungen
• Starke Kids by BKK
• BKK MedPlus
• FeelGuad
• BKK4YOUng
• klickdichgesund
• Das Beste
• GesundGenuss auf Bayerisch

Products and services

• BKK Service App Mobile application for iOS and Android that lets insured members apply for new electronic health cards, download replacement certificates, upload documents via camera, manage voluntary health data (medication, vaccinations, check-ups), submit PremiumBonus claims and use biometric login, all protected by 128-bit SSL and device-bound activation.
• Online-Geschäftsstelle Web-based self-service portal enabling members to submit applications, change addresses, update bank details and download certificates online without paperwork or branch visits.
• PremiumBonus bonus program Bonus program rewarding members with up to €150+ in cash or service credits (glasses/contact lenses, professional dental cleaning, sports medical examinations, sonography/cancer screening), contingent on fulfilling Aktivbonus requirements.
• Elektronische Patientenakte (ePA) Electronic health record system allowing members to store and manage their medical documents digitally, with a dedicated ePA mobile app for accessing health data on the go.
• Starke Kids by BKK Comprehensive pediatric health program providing free extended preventive examinations from infancy through teenage years, including developmental screenings, vision tests, speech assessments and telemedicine services such as PädExpert and PädAssist.
• BKK MedPlus (DMP) Disease management program offering structured, coordinated treatment for chronic conditions including diabetes, coronary heart disease, asthma, COPD and osteoporosis, delivered in collaboration with primary care physicians.
• Auslandsschutz (international coverage) International health coverage service providing the European Health Insurance Card (EHIC) for EU member states and additional coverage support for select non-EU destinations, complemented by a dedicated foreign-service hotline.
• Osteopathie reimbursement Osteopathic treatment reimbursement program, offered as one of the few health insurance funds in Bavaria to cover these costs, with up to €360 annually reimbursed.
• Präventionskurse (prevention courses) Certified prevention courses (e.g., back school, spinal gymnastics, nutrition) reimbursed at 100% up to €250 per calendar year without co-payment, with online options available via the Cyberprävention partner and a course database from Zentrale Prüfstelle Prävention.
• Gesundheitsreisen (health travel) Subsidized health-travel programs offering up to €250 for vacations combined with health activities (exercise, relaxation, healthy nutrition), operated through partner providers.
• Videoberatung (online video consultation) Online video consultation service enabling members to book and conduct face-to-face advisory appointments with BKK advisors via video call from home, on computer or mobile device.
• Rückruf-Service (callback service) Callback service allowing members to submit their contact details and inquiry topic (Leistung, Versicherung, Krankengeld, Pflege, Mitgliedschaft) online and receive a call-back from a qualified customer advisor.
• Live-Chat Anonymous real-time chat service staffed by customer-service representatives that answers general questions and directs members to the appropriate service offerings.
• Zusatzversicherung via NÜRNBERGER partnership Supplementary private insurance products offered to BKK members through partnership with NÜRNBERGER Versicherung, including foreign travel insurance (100% worldwide coverage up to 8 weeks), dental supplementary insurance (up to 100% for high-quality dental prostheses), inpatient hospital insurance and nursing-care supplementary insurance at preferential group rates without health examinations.

Quantifiable outcome

• 97% member satisfaction (58% very satisfied, 39% satisfied) in 2024 representative survey of 4,000 insured persons
• +6 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core and minor.

• NÜRNBERGER VersicherungcoreStrategic or Co-development PartnerThe NÜRNBERGER Versicherung is a key strategic partner of BKK Faber-Castell & Partner for supplementary insurance products. The partnership offers group-rate private supplementary insurance to BKK members including: foreign travel insurance (100% worldwide coverage up to 8 weeks), dental supplementary insurance (up to 100% for high-quality dental prostheses), inpatient hospital insurance (treatment like private patients), and long-term care supplementary insurance. The partnership dates to the historical connection: founder Lothar von Faber established both organizations (BKK in 1844, NÜRNBERGER in 1884). Members receive favorable group tariffs without health examinations and waiting periods in many plans.
• BITMARCKcoreTechnology or IntegrationBITMARCK is the IT service provider contracted by BKK Faber-Castell & Partner for app analytics, development support, and digital service infrastructure. BITMARCK processes data from the BKK Service App for error analysis and needs-oriented development.
• 1. FCN (1. FC Nürnberg)minorStrategic or Co-development PartnerBKK Faber-Castell & Partner has a prevention partnership (Präventions-Partnerschaft) with 1. FCN (1. FC Nürnberg, a professional football club), promoting health and prevention through the club's platform and fanbase.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• SBK (Siemens-Betriebskrankenkasse): A BKK statutory health insurer with similar legal form and contribution-based model. Competes in digital member services and premium add-on benefits, often benchmarked alongside other BKKs in customer-satisfaction studies.
• IKK classic: Germany's largest Innungskrankenkasse with millions of members and statutory health insurance product offering. Same regulatory framework, comparable Zusatzbeitrag pricing, and similar member-segment targeting.
• KKH Kaufmännische Krankenkasse: Mid-sized German statutory health insurer (Ersatzkasse) operating under the same GKV framework. Comparable in scale and product mix, with similar Zusatzbeitrag-driven pricing and premium-benefit positioning.
• Techniker Krankenkasse (TK): Germany's largest BKK with over 11 million members and the benchmark competitor in the M+M Versichertenbarometer (82 points vs. BKK Faber-Castell & Partner's 89). Same legal form (BKK), same contribution-based revenue model, and directly comparable statutory health insurance product.
• AOK Bayern: The largest statutory health insurer in Bavaria, directly competing with BKK Faber-Castell & Partner for the same regional member base. Operates as a public-law corporation under the same German GKV framework and offers comparable statutory coverage plus premium services.
• Audi BKK: Another BKK statutory health insurance fund with strong presence in Bavaria, founded as the company health insurance of Audi. Same legal structure, contribution-based revenue, and regional Bavarian footprint as BKK Faber-Castell & Partner.
• BARMER: One of Germany's largest statutory health insurers (replacement fund, Ersatzkasse) and the other key benchmark in the M+M Versichertenbarometer (80 points). Competes nationally with similar statutory benefits and Zusatzbeitrag-based pricing.
• hkk Krankenkasse: Smaller BKK statutory health insurer that competes nationally on a low Zusatzbeitrag and enhanced premium services — a similar value proposition to BKK Faber-Castell & Partner's below-average rate plus PremiumLeistungen strategy.
• Mobil Krankenkasse: Mid-sized BKK statutory health insurer that competes on member-friendly contribution rates and digital service quality. Comparable to BKK Faber-Castell & Partner in scale and digital-first member engagement approach.
• DAK-Gesundheit: Large national statutory health insurer (Ersatzkasse) with millions of members across Germany. Competes head-to-head on contribution rate, premium services, and digital member experience — directly comparable business model and product offering.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCpfK85D2vQ8X9KKCae4pASw
• Facebookfacebook.com/profile.php
• Instagraminstagram.com/bkkfabercastell/?hl=de

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 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 Faber-Castell & Partner