BKK EUREGIO

Name

BKK EUREGIO

Legal name

BKK EUREGIO

Website

https://bkk-euregio.de

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Heinsberg

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, Others

Revenue model

1. Statutory Health Insurance Contributions: BKK EUREGIO generates revenue through statutory health insurance contributions from its members. The general contribution rate is 14.6% of gross income, with a reduced rate of 14.0%. The company also levies an additional supplementary contribution rate (Zusatzbeitragssatz) of 3.39%. Revenue is collected primarily through employer payroll deductions.
2. Employer and Employee Contribution Settlement: As a statutory health insurer, BKK EUREGIO collects and settles contributions for health insurance, long-term care insurance, pension insurance, unemployment insurance, and insolvency levy on behalf of members. These are split between employers and employees.
3. BKK ExtraPlus Supplementary Insurance (Barmenia): Through the BKK ExtraPlus brand in partnership with Barmenia Krankenversicherung a.G., the company offers supplementary travel health insurance products for which members pay premiums. Commission revenue flows from Barmenia to BKK EUREGIO.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core offering

BKK EUREGIO is a statutory health insurance fund (Betriebskrankenkasse) operating as a 'Premiumkasse' (premium health fund) that provides comprehensive statutory health insurance to members in North Rhine-Westphalia and Hamburg. It extends coverage beyond legal minimums through premium benefits such as osteopathy, travel vaccinations, professional dental cleaning, natural medicines, and digital services including an electronic patient record (ePA), electronic health card (eGK), a service mobile app, and a web-based online branch for member self-service.

Product overview

BKK EUREGIO is a statutory health insurance fund (Betriebskrankenkasse) operating as a 'Premiumkasse' (premium health fund) in North Rhine-Westphalia and Hamburg. Its core product is the BKK EUREGIO Core Health Insurance, supported by a comprehensive digital services ecosystem. The Online-Geschäftsstelle (web portal) and BKK EUREGIO Service App (iOS/Android) serve as the primary digital channels for member self-service. The Elektronische Patientenakte (ePA) and Elektronische Gesundheitskarte (eGK) provide integrated digital health record and insurance card functionality. Premium-Leistungen (premium benefits) including BKK AktivWoche, Bonusmodell, osteopathy, travel vaccinations, and professional dental care are offered as add-on modules. Supplementary services include the Digitale Hebammenberatung via Keleya, the Reisekrankenversicherung through BKK ExtraPlus/Barmenia, the Kostencheck für Zahnersatz via 2te-ZahnarztMeinung, and a suite of Finder tools (Arzt, Hebammen, Klinik, Pflege). Pflegeleistungen (nursing care) is integrated into the core insurance product.

Differentiator

Problem solved

Functional benefit

Products and services

• BKK EUREGIO Core Health Insurance Statutory health insurance (gesetzliche Krankenversicherung) operating as a 'Premiumkasse' (premium health fund) serving individual members across North Rhine-Westphalia and Hamburg, providing comprehensive medical coverage including inpatient, outpatient, dental, pharmaceutical, preventive, and nursing care.
• Premium-Leistungen (Premium Health Benefits)

Quantifiable outcome

• Up to 150 EUR/year reimbursement for sports medicine examinations and consultations
• +8 more outcomes

Segments7 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

Six partnerships are on record, tiered core and minor.

• KeleyacoreStrategic or Co-development PartnerBKK EUREGIO partners with Keleya to provide a digital midwife consultation platform for pregnant women and new mothers. The partnership offers a premium subscription including fitness/yoga/meditation content, weekly live sessions with experts, symptom tracking, and a midwife helpline available 7am–10pm including weekends. The platform supports pregnancy, birth, postpartum, and breastfeeding topics.
• Barmenia Krankenversicherung a. G.coreChannel Partner/ Reseller/ DistributorBKK EUREGIO offers BKK ExtraPlus supplementary insurance products in partnership with Barmenia Krankenversicherung a. G. This includes travel health insurance (Auslandsreisekrankenversicherung) available for purchase online through the BKK EUREGIO ExtraPlus portal.
• BITMARCK Service GmbHcoreTechnology or IntegrationBITMARCK Service GmbH serves as the receiving body number (Empfänger-Betriebsnummer: 35382142) for machine-transmitted contribution reports, notifications, and AAG reimbursement applications for BKK EUREGIO. BITMARCK also provides the underlying IT infrastructure for the company's online branch (bitGo) and IAM systems.
• gematik GmbHcoreTechnology or Integrationgematik GmbH is the government body responsible for the Telematikinfrastruktur (TI), the German digital health network infrastructure. BKK EUREGIO operates on this infrastructure for eGK and ePA services. The security key for ePA is split between the ePA provider and a gematik-designated key service operator.
• Berufsverband der Kinder und Jugendärzte (BVKJ)coreStrategic or Co-development PartnerBKK EUREGIO partners with the professional association of pediatricians (BVKJ) to deliver the STARKE KIDS health program, providing additional preventive care examinations for children and adolescents from birth to age 17 at no cost.
• BKK family+minorGTM or Marketing PartnerBKK EUREGIO participates in the BKK family+ network/program. Additional information about the STARKE KIDS program and participating doctors is available through the BKK family+ portal at bkk-familyplus.de/euregio.

Scale indicators3 records

Recent moves8 records

Direct peers

• Barmer: Major nationwide statutory health insurer (Ersatzkasse) operating across all German states. Competes head-to-head with BKK EUREGIO for employed, family, and senior members under the same SHI framework.
• Techniker Krankenkasse (TK): Germany's largest Betriebskrankenkasse with national licensing and ~11M members. Directly competes with BKK EUREGIO for the same statutory health insurance customers, differentiated primarily by scale and a lower Zusatzbeitragssatz.
• BKK Mobil Oil: Large Betriebskrankenkasse originally founded for Mobil Oil employees, now open to the public. Closely comparable BKK peer with similar corporate-origin history and premium positioning.
• DAK-Gesundheit: Large nationwide statutory health insurer serving ~5.5M members. Direct competitor in the same SHI market with a similar digital-services focus and broad premium benefit portfolio.
• SBK (Siemens-Betriebskrankenkasse): BKK with industrial-corporate heritage analogous to BKK EUREGIO's Akzo Nobel origins. Direct competitor in the same digital-first, premium-benefit BKK category.
• IKK classic: Germany's largest Innungskrankenkasse with national licensing. Competes for the same statutory insured population with overlapping digital services and premium benefit offerings.
• KKH Kaufmännische Krankenkasse: Nationwide statutory health insurer with a strong white-collar worker focus. Direct competitor for employed and family segments, with comparable digital infrastructure investments.
• BKK VBU: Large BKK with national reach and a similarly strong digital-services posture. Competes for switchers in the BKK Premiumkasse segment and offers comparable supplementary benefit portfolios.

Broad incumbents

• Barmenia Krankenversicherung a.G. Large private health insurer and BKK EUREGIO's channel partner for the BKK ExtraPlus supplementary insurance line. Comparable as a health insurance underwriter with overlapping product categories (travel health, supplementary coverage).

Regional players

• AOK Rheinland/Hamburg: Regional AOK operating in the exact same NRW/Hamburg footprint as BKK EUREGIO. Represents the most direct geographic competitor with deep local brand recognition and historically large market share.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/BKKEUREGIO
• LinkedInlinkedin.com/company/bkk-euregio

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 EUREGIO