SBK Siemens Betriebskrankenkasse Geschäftsstelle Augsburg

What SBK Siemens Betriebskrankenkasse Geschäftsstelle Augsburg does

SBK Siemens-Betriebskrankenkasse is a German open statutory health insurance fund (geöffnete gesetzliche Krankenkasse) headquartered in Munich, with regional branch offices (Geschäftsstellen) across Germany including Augsburg. Founded in 1908 as the company health insurance fund of Siemens, SBK serves members across all life stages — employed persons, families, students, trainees, self-employed individuals, and retirees — providing regulated statutory health and long-term care insurance coverage. Revenue is generated exclusively through statutory contributions (Beiträge) collected from members and employers under German social law, with no publicly disclosed pricing because rates are regulatorily defined; member acquisition occurs through personal in-branch consulting, the Meine SBK app, online portals, phone support, and referral programs.

SBK's core product is the integrated digital insurance platform anchored by the Meine SBK app (named 'Top App' by FOCUS MONEY/ServiceValue for eight consecutive years). The platform combines electronic prescriptions (E-Rezept), the SBK Patientenakte digital patient record, the SBK Terminservice appointment-booking system, the Online Hautcheck teledermatology service, and the SBK Account online portal — all supported by toll-free Kundenberatung phone lines and a nationwide physical branch network. Supporting service modules include the SBK Gesundheitstelefon (24/7 medical advice hotline), SBK Auslandsberatung (international coverage including EU health insurance card and travel vaccinations), the Bonusprogramm (rewards up to €250 for preventive care), Zusatzversicherungen (supplementary insurance), and coverage of alternative medicine (acupuncture, homeopathy, osteopathy).

The business is operated on a non-profit, member-serving basis under public law, supervised by the Bundesversicherungsamt, with no parent company or external shareholders. Distribution is omnichannel (mobile app, online portal, in-branch, phone) and targeted at both individual consumers (D2C) and the employers (Arbeitgeberservice channel) whose payroll contributions fund the system. SBK has accumulated a consistent track record of third-party validated service quality, including 1st place in FOCUS MONEY/DFSI's Leistungsqualität 2026 ('Hervorragend' rating), 2nd place overall in Kundenmonitor Deutschland 2025 with 71.6% of insureds highly satisfied, and the Deutscher Nachhaltigkeitspreis 2025. The Augsburg Geschäftsstelle itself is a regional service point within this larger national operating model, with 251-500 employees.

Name

SBK Siemens Betriebskrankenkasse Geschäftsstelle Augsburg

Legal name

Siemens-Betriebskrankenkasse

Website

https://sbk.org

Company type

Private

Founded year

1908

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

SBK Siemens-Betriebskrankenkasse is a German open statutory health insurance fund serving employed persons, families, students, trainees, self-employed individuals, and retirees through the Meine SBK digital app, physical branch offices (including Augsburg), and regulated statutory contributions under German social law.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120), Health and Welfare Funds (52512)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

340B Program Administration & Support (HLAEAKAJ)

akta.pro secondary industry

Nonprofit / Social Services BOP (FSAJAFAM)

Keywords

• Statutory health insurance
• Long-term care insurance
• Supplementary health coverage
• Alternative medicine benefits
• Digital health services

Headquarters

HQ city

München

HQ country

Germany

HQ region

Europe

Offices1 record

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: SBK generates revenue through statutory health insurance contributions (Beiträge) collected from members. Contribution rates are regulated by German law and applied to employed persons, trainees, students, self-employed individuals, and retirees based on their income and status. The fund also collects contributions for long-term care insurance (Pflegeversicherung).

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels7 records

Core offering

SBK is an open statutory health insurance fund (gesetzliche Krankenkasse) that provides compulsory health and long-term care insurance to members across Germany. Members gain access to doctor and hospital care, dental benefits, prescription medications, family and pregnancy coverage, alternative medicine (acupuncture, homeopathy, osteopathy), nursing care benefits, preventive care (with a bonus program worth up to 250 euros), supplementary insurance options, and international coverage. Service is delivered via branch offices (Geschäftsstellen including Augsburg), the Meine SBK app, an online portal, and dedicated personal phone consulting.

Product overview

SBK Siemens-Betriebskrankenkasse operates as an open statutory health insurance provider offering a unified digital service ecosystem centered on the Meine SBK app and online portal. The core offering combines health insurance coverage with digital services including the SBK Patientenakte (electronic patient record), E-Rezept (e-prescription), SBK Account (online account management), and SBK Gesundheitskarte. Supporting service modules include SBK Kundenberatung (personal customer consultation), SBK Gesundheitstelefon (health hotline), SBK Terminservice (appointment booking), SBK Auslandsberatung (international services), and SBK Bonusprogramm (bonus rewards). Additional offerings include supplementary insurance (Zusatzversicherungen) and alternative medicine coverage (Akupunktur, Homöopathie, Osteopathie).

Differentiator

Problem solved

Functional benefit

Brands

• Meine SBK: Mobile app providing digital health services including appointment booking, e-prescription, health records, and online customer services.

Products and services

• SBK Statutory Health Insurance (Gesetzliche Krankenversicherung) Open statutory health insurance membership providing regulated health coverage for employed persons, families, students, trainees, self-employed, voluntary members, and retirees in Germany, including doctor and hospital care, dental benefits, prescriptions, family/pregnancy coverage, alternative medicine, nursing care, preventive services, and international coverage (Ausland-Plus).
• SBK Pflegeversicherung (Long-term Care Insurance) Compulsory long-term/nursing care insurance bundled with statutory health insurance membership, delivering Pflegeleistungen according to Pflegegrad including home care (Pflege zu Hause), care in nursing homes (Pflege im Pflegeheim), support for caregiving family members, and applications for Pflegeleistungen.
• SBK Zusatzversicherungen (Supplementary Health Insurance) Voluntary supplementary insurance offerings that supplement statutory health insurance coverage, including enhanced dental benefits, additional hospital coverage, and supplementary travel health insurance tailored to member needs.

Quantifiable outcome

• Up to 250 euros or more in bonus program rewards
• +4 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

Feature7 records

Partnerships

One partnership is on record.

• move UpcoreStrategic or Co-development PartnerSBK partnered with move Up to develop and deliver the 'Koch mit Henssler' (Cook with Henssler) online program, a 3-week cooking challenge with celebrity chef Steffen Henssler. The program teaches participants how to combine health, enjoyment, and environmental protection through daily short videos with recipes and knowledge impulses on nutrition and sustainability. The partnership won the German Award for Sustainability Projects 2024 in the 'Service Prevention/Prevention' category.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• AOK Bayern: Regional Allgemeine Ortskrankenkasse (AOK) covering Bavaria, the same primary market as SBK's Augsburg branch. Operates under the same statutory framework, offers comparable digital services, and competes directly for the same employer, family, and student populations in Bavaria.
• pronova BKK: Open Betriebskrankenkasse with a similar member-targeting strategy (families, employed, students) and digital health service focus. Pronova BKK competes with SBK in nationwide rankings and on similar service propositions including bonus programs and app-based self-service.
• Barmer: One of Germany's largest nationwide open statutory health insurance funds, offering the same regulated benefit package plus digital services, bonus programs, and supplementary insurance. Barmer competes directly with SBK in the same member segments and frequently appears alongside SBK in DISQ, Kundenmonitor, and FOCUS MONEY rankings.
• DAK-Gesundheit: Large open statutory health insurance fund serving employed persons, families, and students across Germany. DAK competes with SBK on digital apps, customer consulting, and bonus programs, and is regularly benchmarked alongside SBK in industry rankings.
• HEK Hanseatische Krankenkasse: Open statutory health insurance fund headquartered in Hamburg serving members nationwide. Competes with SBK in the same member segments and is regularly benchmarked in the same service-quality and customer-satisfaction studies (DFSI, DISQ).
• hkk Krankenkasse: Smaller open statutory health insurance fund that consistently appears alongside SBK in service quality and customer satisfaction rankings (including FOCUS MONEY/DFSI evaluations). hkk targets similar member groups and competes on similar digital and service propositions.
• Techniker Krankenkasse (TK): Germany's largest open statutory health insurance fund, also serving all membership groups including students, families, and self-employed. TK competes head-to-head with SBK on digital service quality, customer satisfaction awards, and student-segment leadership — a direct comparator on every key metric.
• IKK classic: Germany's largest open IKK (Innungskrankenkasse) offering statutory health insurance to craft-sector and broader employed populations. Overlaps with SBK on member segments, regulated benefit structure, and digital service expectations, and competes in the same DISQ and DFSI rankings.
• KKH Kaufmännische Krankenkasse: Open statutory health insurance fund focused on white-collar and commercial-sector employees. KKH competes with SBK in the employed-persons segment and offers a similar portfolio of digital health services, prevention programs, and supplementary insurance.
• Audi BKK: Another Betriebskrankenkasse (BKK) — the same corporate-insurance-fund subcategory SBK belongs to. Audi BKK shares SBK's structural advantages (employer heritage, focused digital service, strong brand) and competes for the same members, especially in southern Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/sbk/org
• Facebookfacebook.com/SBK
• TikToktiktok.com/@sbk_org
• YouTubeyoutube.com/sbk
• LinkedInlinkedin.com/company/sbk

Revenue estimate

Valuation estimate

Number of profiles

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 SBK Siemens Betriebskrankenkasse Geschäftsstelle Augsburg