Daimler BKK

What Daimler BKK does

Mercedes-Benz BKK (formerly Daimler BKK) is a German statutory health insurance fund (Betriebskrankenkasse) organized as a Körperschaft des öffentlichen Rechts (corporation under public law) and supervised by the Bundesamt für soziale Sicherung. Founded in 1974 and headquartered at Mercedesstraße 1 in Bremen, it is described as the largest purely company-specific Betriebskrankenkasse in Germany, with a 251–500 employee operating base. Its primary insured base comprises employees of Mercedes-Benz AG and Daimler Truck, extended through statutory family co-insurance to spouses, children, and retirees, and increasingly to voluntary members such as students, apprentices, and self-employed individuals via the online entry (Online-Eintritt) flow.

The product portfolio combines core statutory coverage (outpatient and inpatient treatment, dental care, medicines, preventive care, nursing care, family and pregnancy benefits) with a layered digital ecosystem: the Mercedes-Benz BKK App (iOS/Android), the 'Meine Mercedes-Benz BKK' online portal, the Elektronische Patientenakte (ePA), Videoberatung video consultation, docdirekt/Online-Arzt telemedicine, reimbursable Digitale Gesundheitsanwendungen (DiGA), and the myHealth-App for employer-side corporate wellness. Differentiated member programs include the 100 PRO AKTIV bonus program, BKK MedPlus for chronic-condition care, RückenPlus for back health, Babybonus for expecting parents, and PflegeCoach for home nursing support. Marketing is digital-first across website, LinkedIn, YouTube, podcast, and monthly email newsletter channels.

The business model is subscription-recurring under the German statutory framework: revenue derives from regulated member contributions (Beitragssatz) plus a fund-set Zusatzbeitrag, billed monthly against member gross income, with cost-of-care obligations mandated by social law. Distribution is direct-to-consumer via online enrollment, app stores, phone support, and video consultation, with corporate onboarding via the Mercedes-Benz/Daimler Truck employer channel. Pricing is not commercially negotiable, positioning the fund as a volume-driven insurer competing on service quality, digital experience, and bonus-program attractiveness rather than price.

Name

Daimler BKK

Legal name

Mercedes-Benz BKK

Website

https://daimler-bkk.com

Company type

Private

Founded year

1974

Operating status

Operating

Headcount range

251–500 employees

Short description

Mercedes-Benz BKK is Germany's largest company-specific statutory health insurance fund (Betriebskrankenkasse), founded in 1974, serving Mercedes-Benz and Daimler Truck employees plus families, retirees, and voluntary members through regulated contributions and a digital health platform spanning app, portal, ePA, and telemedicine.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

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

akta.pro primary industry

High-Deductible Health Plans (HDHP) with HSA-Eligible Coverage (FSAIAFAM)

Keywords

• Statutory health insurance
• Company health fund
• Health insurance services
• Digital health platform
• Preventive care programs

Headquarters

HQ city

Bremen

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, Others

Revenue model

1. Statutory Health Insurance Contributions: German statutory health insurance operates on a contribution-based model where members pay contributions based on their income. The insurance fund receives these contributions and provides comprehensive health coverage as mandated by German social security law.
2. Additional Contributions (Zusatzbeitrag): Statutory health insurers in Germany may charge additional contributions above the standard contribution rate to cover costs. These are paid by members and/or employers.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

Daimler BKK (legally Mercedes-Benz BKK) is a German statutory health insurance fund (Betriebskrankenkasse) providing comprehensive health coverage including medical treatment, hospital care, dental treatment, medicines, outpatient rehabilitation, therapies, and family insurance. The fund combines statutory health insurance administration with an integrated digital health ecosystem comprising a mobile app, online member portal, electronic patient file (ePA), video consultation, telemedicine, and wellness/bonus programs such as the 100 PRO AKTIV program.

Product overview

Mercedes-Benz BKK is a company-based statutory health insurance fund (Betriebskrankenkasse) founded in 1974, serving as the largest company-specific BKK in Germany. The offering combines core health insurance services (medical treatment, hospital care, dental care, prevention, family coverage) with an integrated digital health ecosystem. The core platform consists of the Mercedes-Benz BKK App (mobile) and Meine Mercedes-Benz BKK (online member portal), which provide access to the Elektronische Patientenakte (ePA) for electronic health records, electronic health card management, and online services. Supporting digital products include: the 100 PRO AKTIV Bonusprogramm (wellness rewards program with online tracking), myHealth-App (corporate employee wellness), docdirekt/Online-Arzt (telemedicine), Videoberatung (video consultation), Digitale Gesundheitsanwendungen (DiGA, approved digital health applications), Fitness-Extra (health modules), and Ärztliche Zweitmeinung (second medical opinion services). Supplementary offerings include Babybonus (family benefit), Podcast series, and the Unser Magazin content platform. The product portfolio spans from core insurance administration to digital-first health management tools.

Differentiator

Problem solved

Functional benefit

Brands

• 100 PRO AKTIV: Bonus program for members offering rewards for health-related activities
• BKK MedPlus
• RückenPlus
• Babybonus
• PflegeCoach

Products and services

• Mercedes-Benz BKK App

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• AOK Baden-Württemberg: Large regional Allgemeine Ortskrankenkasse with significant insured base in Baden-Württemberg where Mercedes-Benz has major operations. Competes for the same regional employee pools under the same SHI framework.
• Barmer: One of Germany's largest statutory health insurers with broad nationwide membership and well-developed digital services. Competes with Mercedes-Benz BKK for voluntary members across all segments.
• Techniker Krankenkasse (TK): Largest statutory health insurer in Germany with ~€40B+ contribution revenue. Operates in the same SHI regulatory framework and competes directly for Mercedes-Benz/Daimler voluntary members, but at much larger scale and broader membership base.
• DAK-Gesundheit: Major nationwide statutory health insurer with strong digital offering and broad member base. Direct competitor in voluntary-member segment, with significantly larger scale than company BKKs.

Direct peers

• KKH Kaufmännische Krankenkasse: Large statutory health insurer with company-BKK roots serving commercial-sector employees. Comparable scale, product breadth, and target member segments to Mercedes-Benz BKK.
• Bosch BKK: Major German Betriebskrankenkasse serving Bosch employees and open to voluntary members. Directly comparable as a large industrial-company BKK with similar product portfolio and contribution-based revenue model.
• Pronova BKK: Formed through merger of several large company BKKs (including BASF BKK). Open statutory health insurer with company-BKK heritage and comparable employer-anchored distribution.
• BMW BKK: Health insurance fund for BMW Group employees, structurally identical to Mercedes-Benz BKK as a large automotive-company Betriebskrankenkasse in Germany. Closest direct peer given same employer-anchored model and comparable target member base.
• Audi BKK: Automotive-company Betriebskrankenkasse originally serving Audi/VW employees. Structurally identical to Mercedes-Benz BKK as an automotive-industry employer-anchored BKK with same regulatory framework.
• SBK (Siemens-Betriebskrankenkasse): One of the largest company-based Betriebskrankenkassen in Germany, originally serving Siemens employees. Comparable BKK model, scale, and employer-distribution dynamics to Mercedes-Benz BKK.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCTZYlv3iZkx8tSc6x_mc15w
• LinkedInlinkedin.com/company/daimler-bkk

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 Daimler BKK