WMF BKK

What WMF BKK does

WMF BKK is a German statutory health insurance fund (Betriebskrankenkasse) organized as a Körperschaft des öffentlichen Rechts (public-law corporation) under German social security law. Founded on November 17, 1884 by Württembergische Metallwarenfabrik AG to insure its own employees, it opened to all statutory insured persons throughout Germany in 1996 and today serves more than 23,000 members nationwide. The fund sets its Zusatzbeitrag (additional contribution rate) at 2.85% effective January 2026, deliberately below the statutory average of 2.90%, and earns the bulk of its revenue from statutory health insurance contributions calculated on member income. The portfolio includes a wholly-owned nursing care subsidiary (WMF BKK Pflegekasse), and the fund has repositioned in 2025 as the 'Wellnesskasse,' positioning holistic body-mind-soul wellness as its core brand identity.

The core operating platform is the WMF BKK Suite — a 24/7 online self-service portal with a companion mobile app, secured by SMS-TAN two-factor authentication, allowing members to submit messages, invoices, photos, and update personal data. The technical stack relies on conventional web infrastructure: self-hosted Matomo analytics with cookieless tracking and IP anonymization, Cookiebot consent management, Google Tag Manager and Ads integrations, and the Let's Connect live chat service. Distribution combines digital self-service (online enrollment portal kv365.wmf-bkk.de), a toll-free 24/7 Gesundheitstelefon specialist hotline, in-person consultation at the Geislingen an der Steige headquarters, and broker (Makler) and Vertriebspartner referral networks with personalized tracking codes.

WMF BKK generates revenue primarily through recurring statutory health insurance contributions tied to member income (subscription model), supplemented by affiliate/referral commissions brokered through partner channels on supplementary insurances (dental, hospital, travel). GTM is dual-track: direct-to-consumer via the 5-minute online enrollment flow, and channel-partner driven through the Makler/Vertriebspartner program. Customer segmentation spans six personas — families, apprentices, athletes, pregnant women, health-conscious individuals, and employees — each served through targeted benefit packages including up to €2,000+ in aggregate wellness subsidies (EGYM Wellpass, health courses, vaccinations, health travel, prenatal/midwife care).

Name

WMF BKK

Legal name

WMF BKK

Website

https://wmf-bkk.de

Company type

Private

Founded year

1884

Operating status

Operating

Headcount range

1–10 employees

Short description

WMF BKK is a German statutory health insurance fund (Betriebskrankenkasse) serving over 23,000 members nationwide, operating as a public-law corporation since 1884 and repositioned in 2025 as the 'Wellnesskasse' with a holistic wellness brand identity.

Ownership category

akta.pro rank

Headquarters

HQ city

Geislingen An Der Steige

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: Members pay statutory health insurance contributions based on their income. The additional contribution rate (Zusatzbeitrag) is 2.85% as of January 2026, below the legal average of 2.90%.
2. Supplementary Insurance Brokerage: Partners can broker supplementary insurances including dental add-ons, hospital add-ons, and travel coverage for additional commissions.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

WMF BKK is a German statutory health insurance fund (Betriebskrankenkasse) providing mandatory health insurance coverage to over 23,000 members nationwide, plus a broad suite of supplemental wellness, preventive, family, fitness, and prenatal benefits. Insurance administration and member services are delivered through the digital-first WMF BKK Suite (online portal and mobile app), supported by an additional contribution rate (Zusatzbeitrag) of 2.85%.

Product overview

WMF BKK is a German statutory health insurance provider (Betriebskrankenkasse) offering a unified product portfolio centered on the WMF BKK Suite — a 24/7 online self-service portal and mobile app. This core platform is complemented by several add-on modules and wellness programs including the EGYM Wellpass Zuschuss (gym membership subsidy of 12.50 €/month), a Vorteilsrechner (online advantage calculator for estimating benefits), a toll-free Gesundheitstelefon (health hotline), a fully digital online membership application, and a Mitgliederwerbung (member referral program offering 30 € per successful referral). The insurer positions itself as the 'Wellnesskasse' (wellness health insurance), emphasizing holistic wellness services across body, mind, and soul. The WMF BKK also offers broker and sales partner portals for insurance intermediaries, with fully digital processes and direct contact options.

Differentiator

Problem solved

Functional benefit

Brands

• WMF BKK Suite: Online service portal available 24/7 for members to manage their insurance matters, submit documents, and communicate with the fund.

Products and services

• WMF BKK Suite Primary online self-service portal and mobile app enabling members to manage all insurance-related tasks 365 days a year around the clock; supports sending messages and files, uploading invoices and electronic health card photos, completing digital questionnaires, and updating personal data.
• EGYM Wellpass Zuschuss A monthly subsidy of €12.50 provided to members who maintain an EGYM Wellpass gym and fitness membership, funded under §14a of WMF BKK's charter; requires minimum 6 months of participation with certificate submitted for reimbursement.
• Vorteilsrechner (Advantage Calculator) An interactive online calculator that allows prospective members to estimate their personal savings and benefit amounts by selecting desired extra services such as health courses, travel vaccinations, and sports bonuses.
• Gesundheitstelefon (Health Hotline) A toll-free medical hotline (0800 1405541 17 090) providing 24/7, 7-days-a-week specialist health advice to members on questions about diagnoses, medications, and therapies following doctor visits.
• WMF BKK Online-Aufnahmeantrag (Online Membership Application) A fully digital online membership application form enabling prospective members to join WMF BKK electronically; supports various employment categories (employees, apprentices, self-employed, students, pensioners) and includes options for family co-insurance.
• Mitgliederwerbung (Member Referral Program) A referral program in which existing members generate a personal recommendation link or QR code to share with family, friends, or acquaintances; the referring member receives a €30 reward automatically upon the new member's membership start.

Quantifiable outcome

• Over 2,000€ total benefit value per member
• +3 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

Integration3 records

Feature2 records

Partnerships

Five partnerships are on record, tiered core and minor.

• EGYM (Wellpass)coreStrategic or Co-development PartnerEGYM Wellpass partnership provides members with access to fitness facilities, swimming, and nutrition coaching. WMF BKK subsidizes 12.50€/month for members who use the service for at least 6 months.
• IMK InstitutminorStrategic or Co-development PartnerCustomer satisfaction survey partner for BKK Echo surveys. Conducts and analyzes survey data on behalf of WMF BKK.
• BITMARCK Holding GmbHcoreTechnology or IntegrationIT service provider and data center operator for WMF BKK's member management systems. Ensures secure storage of insured data.
• BKK Landesverband SüdminorOthersRegional association of company health insurance funds for South Germany.
• DentNetminorStrategic or Co-development PartnerDental network partner providing free professional teeth cleaning at partner practices.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Market position

Competitive moat5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCySXMhKq2TfZjmVQfnBiiVg
• Facebookfacebook.com/WMF-BKK-275259215953241
• LinkedInlinkedin.com/company/wmf-betriebskrankenkasse
• Instagraminstagram.com/wmfbkk

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 WMF BKK