Südzucker BKK

What Südzucker BKK does

Südzucker BKK is a closed Betriebskrankenkasse (corporate health insurance fund) operating exclusively for employees of the Südzucker corporate group (Südzucker AG and affiliated entities) and their families, headquartered in Mannheim, Germany. It is constituted as a Körperschaft des öffentlichen Rechts (public-law corporation) under the supervision of the Bundesamt für Soziale Sicherung, with a separate Südzucker BKK Pflegekasse handling statutory long-term care insurance. The fund is a founding member of BKV Interessengemeinschaft Betriebliche Krankenversicherung e.V. and operates with a lean team of approximately 14 named staff across Leistungen, Beiträge-Mitgliedschaft, Rechnungs-Belegerfassung and Sekretariat functions.

The product portfolio is built around the German statutory Kranken- und Pflegeversicherung (GKV/PV) framework. Core offerings include statutory health and long-term care insurance, the BKK MedPlus Disease Management Programme for chronic conditions (KHK, Asthma/COPD, Brustkrebs, Diabetes I/II), Hausarztzentrierte Versorgung, Vorsorge für Kinder und Jugendliche (including the BKK STARKE KIDS paediatric programme), and a Bonusprogramm paying up to €120/year for fitness-studio membership and €60/year for professional Zahnreinigung. Digital delivery is anchored in the Online-Geschäftsstelle and Service App for receipt upload, bonus registration, ePA access and eRezept redemption, supported by integration with the Gematik national eHealth infrastructure, the Barmenia-Gothaer partner portal (suedzucker-bkk.extra-plus.de), and BITMARCK-certified German data centres for GDPR-compliant processing.

The revenue model is fee/subscription-based on statutory contributions: member and employer contributions per SGB V for health insurance and SGB XI for long-term care, supplemented by referral commissions from the Barmenia-Gothaer bound Versicherungsvertreter arrangement on supplementary dental products (BKK Zahn, BKK Zahn+) sold exclusively to members. Distribution is direct and member-restricted — in-person Beratung at the Mannheim office, a service hotline (0621-32 85 8 48), Rückrufservice, Online-Geschäftsstelle, and the closed-BKK employer-anchored membership model — with the Zusatzbeitragssatz held stable at 2.9% from 1 August 2025.

Name

Südzucker BKK

Legal name

Südzucker BKK

Website

https://xn--sdzucker-bkk-dlb.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Südzucker BKK is a closed, employer-anchored German Betriebskrankenkasse providing statutory health and long-term care insurance exclusively to Südzucker Konzern employees and their families, with a digital Online-Geschäftsstelle and partner-supplied Zusatzversicherungen.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

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

SIC

Accident & Health Insurance (6321)

akta.pro industry

PRIMARYHLAEAHAF

Substance Use Disorder (SUD) Benefit Management

Healthcare & Life Sciences/Health Insurance & Managed Care/Managed Behavioral Health (MBHO)

Keywords

• Statutory health insurance
• Company health insurance fund
• Long-term care insurance
• Supplementary dental insurance
• Disease management programs

Headquarters

HQ city

Mannheim

HQ country

Germany

HQ region

Europe

Offices3 records

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 (Zusatzbeitrag): Members' and employers' contributions per SGB V; member-funded revenue via Beiträge der Mitglieder und Arbeitgeber. Additional contribution rate (Zusatzbeitragssatz) set at 2.9% from 01.08.2025.
2. Statutory long-term care insurance contributions (Pflegekasse): Separate Pflegekasse collects Beiträge per SGB XI to fund Pflegeleistungen (Pflegegrade 1–5, Pflegegeld, Pflegesachleistungen, Kurzzeitpflege, Tagespflege, etc.).
3. Supplementary insurance commissions (Barmenia Kooperation): As bound insurance intermediary (§ 34d Abs. 4 GewO) for Barmenia Krankenversicherung, the BKK earns commissions on supplementary insurance products offered exclusively to Südzucker BKK members (e.g., BKK Zahn, BKK Zahn+, Zahn-Zusatzversicherung).

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

Südzucker BKK is a closed Betriebskrankenkasse that provides statutory health insurance (GKV) and statutory long-term care insurance (GPV) exclusively to employees of the Südzucker Group and their co-insured family members. The fund delivers its services through personal Beratung at its Mannheim headquarters, a Service-Hotline and Rückrufservice, the Online-Geschäftsstelle member portal and Service-App, and partners with Barmenia to offer supplementary insurance products such as BKK Zahn and BKK Zahn+.

Product overview

Südzucker BKK is a Betriebskrankenkasse (company health-insurance fund) operating exclusively for employees of the Südzucker group and their families, delivering a statutory health-and-care insurance portfolio organised around a small set of cross-cutting programmes and a large library of insurance benefits. At the centre sits the digital Online-Geschäftsstelle / Service-App, which members use to upload invoices, manage benefits and unlock the 5 EUR Online-Geschäftsstelle bonus. On top of the statutory offering, the Bonusprogramm für die gesamte Familie, BKK MedPlus Disease Management Programme (covering KHK, Asthma/COPD, Brustkrebs and Diabetes I/II) and the Hausarztzentrierte Versorgung form the three flagship add-on modules. Digital national infrastructure is delivered through eRezept and Elektronische Patientenakte (ePA), while statutory Pflegeversicherung covers long-term care and Zusatzversicherungen (BKK Zahn / BKK Zahn+ with partner Barmenia-Gothaer) extend coverage. Specialised offerings such as Vorsorge für Kinder und Jugendliche (with BKK STARKE KIDS), the Klasse 2000 school sponsorship and the quarterly Mitgliedermagazin „Gesundheit" round out the portfolio.

Differentiator

Problem solved

Functional benefit

Brands

• BKK MedPlus: Disease Management Programme (DMP) brand for chronic conditions including coronary heart disease (KHK), asthma/COPD, breast cancer, and diabetes types I and II.
• BKK STARKE KIDS
• Hallo Baby
• BKK Zahn / BKK Zahn+
• PräventionPlus
• PräventionKompakt

Products and services

• Pflegeversicherung (Statutory Long-Term Care Insurance) Statutory long-term care insurance (GPV) provided to all insured members of Südzucker BKK and their co-insured family members as part of the standard membership offering.
• Bonusprogramm für die gesamte Familie Family-wide bonus program that rewards insured members and their co-insured family members for healthy behaviors and preventive care participation.
• BKK MedPlus Disease Management Programme Disease management program (DMP) for chronically ill insured members, offering coordinated care pathways and additional benefits beyond the statutory minimum.
• Hausarztzentrierte Versorgung Family-doctor-centered care model that ties insured members to a primary care physician as the coordinator of their medical treatment pathway.
• Vorsorge für Kinder und Jugendliche (BKK STARKE KIDS) Extended preventive-care program for children and adolescents insured through Südzucker BKK, branded as BKK STARKE KIDS, offering additional screenings and benefits beyond the statutory standard.
• Zusatzversicherungen BKK Zahn / BKK Zahn+ Supplementary dental insurance products BKK Zahn and BKK Zahn+ offered to Südzucker BKK members through a bound intermediary partnership with Barmenia.
• Online-Geschäftsstelle und Service-App Digital member self-service portal (Online-Geschäftsstelle) and accompanying mobile app (Service-App) that allow insured members to carry out administrative processes independently online.

Quantifiable outcome

• Stable Zusatzbeitragssatz at 2.9% from 01.08.2025 — predictable contribution burden
• +7 more outcomes

Named customers1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature5 records

Partnerships

16 partnerships are on record, tiered flagship commercial partner for zusatzversicherungen, core dental partner, pharmacy discount channel, educational partner, service partner for pflegeberatung, core chronic-care program, maternal care program, pediatric prevention program, core it/data infrastructure partner, digital agency / web operations, industry association, industry association / verband, statutory medical review partner, statutory regulatory authority and regulatory register entry.

• Barmenia-Gothaer Krankenversicherungflagship commercial partner for zusatzversicherungenOEM/ Whitelabel/ Licensing PartnerExklusive Zusatzversicherungs-Tarife (BKK Zahn, BKK Zahn+) für Südzucker BKK-Mitglieder, vergünstigt. Auch als Kooperationspartner der Barmenia Krankenversicherung ist die Südzucker BKK gebundener Versicherungsvertreter nach § 34d Abs. 4 GewO mit Registernummer D-39DI-S9N8J-59.
• dent-net®core dental partnerTechnology or IntegrationKooperationsvertrag für besonders günstigen Zahnersatz. Fertigung durch moderne Partnerlabore in Asien gemäß deutschem Medizinproduktegesetz, Nachbearbeitung im firmeneigenen Labor in Essen. 5 Jahre Gewährleistung (statt üblicher 2 Jahre).
• DocMorris Versandapothekepharmacy discount channelChannel Partner/ Reseller/ DistributorKooperation für bequeme Online-Bestellung von Arzneimitteln (verschreibungs- und nicht-verschreibungspflichtig) über das Internet. DocMorris ist vom deutschen TÜV geprüft und zertifiziert.
• Europa Apotheek Venlopharmacy discount channelChannel Partner/ Reseller/ DistributorKooperation als zweite Versandapotheke (Niederlande); ebenfalls TÜV-geprüft für reibungslosen Versand von Arzneimitteln an Mitglieder.
• curendo (Online-Pflegekurse)educational partnerOEM/ Whitelabel/ Licensing PartnerBereitstellung kostenfreier Online-Pflegekurse 'Grundlagen der häuslichen Pflege' und 'Alzheimer und Demenz'; Registrierung mit Kassennummer erforderlich.
• SpectrumKservice partner for pflegeberatungImplementation/ SI/ Consulting PartnerÜbernimmt Pflegeschulungen und Beratungen für Mitglieder und Angehörige; kostenfreie Hotline 0800/72 37 267 für persönliche Beratungstermine.
• BKK MedPlus / BKK Landesverband (DMP-Rahmenverträge)core chronic-care programStrategic or Co-development PartnerDMP-Programme für koronare Herzkrankheit, Asthma/COPD, Brustkrebs, Diabetes Typ I/II in Kooperation mit Haus- und Fachärzten; strukturierte Behandlungsprogramme gemäß gesetzlicher DMP-Vorgaben.
• 'Hallo Baby' IGV-Vertrag (Kooperationspartner Ärzte/Krankenhäuser/Apotheker)maternal care programStrategic or Co-development PartnerVertraglich vereinbarte Kooperationen zwischen Ärzten, Krankenhäusern, Apothekern und weiteren Leistungserbringern zur Senkung der Frühgeburtenrate; Risikoerfassung, Beratung, Informationsmaterial und Aufklärung zur optimalen Schlafumgebung.
• BKK STARKE KIDS (bundesweites Programm)pediatric prevention programStrategic or Co-development PartnerVorsorgeprogramm mit zusätzlichen Untersuchungen (Sprachbeurteilung, Kindergartencheck, Kita-Fragebogen, Grundschulcheck I+II, Jugendcheck). Programmeinschreibung bei teilnehmenden Kinder- und Jugendärzten; aktuell nur in Bayern und Rheinland-Pfalz verfügbar.
• BITMARCK Holding GmbH (Rechenzentrum)core it/data infrastructure partnerTechnology or IntegrationIT-Dienstleister für die speziell gesicherte Speicherung der Sozialdaten in zertifiziertem deutschem Rechenzentrum gemäß Art. 28 EU-DSGVO / § 80 SGB X.
• DSG1 GmbH (Heilbronn)digital agency / web operationsImplementation/ SI/ Consulting PartnerKonzeption, technische Realisierung und Betreuung der Südzucker BKK Website (www.dsg1.de, Gottlieb-Daimler-Str. 9, 74076 Heilbronn, Tel. 07131 89866-333).
• BKK Landesverband Südindustry associationStrategic or Co-development PartnerTräger des BKK Pflegeportals (pflegeinfo.bkk-sued.de) und BKK Pflegefinders (bkk-pflegefinder.de), Datenbank mit 35,000+ Pflegeeinrichtungen und Preisen pro Pflegestufe.
• BKV Betriebliche Krankenversicherung e.V.industry association / verbandStrategic or Co-development PartnerSüdzucker BKK ist Gründungsmitglied des BKV, der Interessengemeinschaft Betriebliche Krankenversicherung e.V. (bkv-verein.de). Gezieltes Gesundheitsmanagement in enger Partnerschaft mit dem Trägerunternehmen.
• Medizinischer Dienst der Krankenversicherung (MDK / MD)statutory medical review partnerImplementation/ SI/ Consulting PartnerBeteiligung des MD bei Begutachtungen (Pflegebegutachtung, Behandlungsfehler-Verdacht, Prüfung der Leistungspflicht). Statutory role per § 284 Abs. 1 Nr. 7 SGB V.
• Bundesamt für Soziale Sicherung (BAS)statutory regulatory authorityOthersZuständige Aufsichtsbehörde für die Südzucker BKK als Körperschaft des öffentlichen Rechts mit Selbstverwaltung; sitzt in Friedrich-Ebert-Allee 38, 53113 Bonn.
• IHK Rhein-Neckar / Deutscher Industrie- und Handelskammertag (DIHK)regulatory register entryOthersRegistrierung als gebundener Versicherungsvertreter nach § 34d Abs. 4 GewO; Registerstelle DIHK e.V., Breite Straße 29, 10178 Berlin, Tel. 0180 5005850.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Bosch BKK: Closed Betriebskrankenkasse for Robert Bosch Group employees. Same Trägerunternehmen model, same statutory insurance framework, comparable extra-benefits strategy aimed at engineering/production workforce.
• Mercedes-Benz BKK (formerly Daimler BKK): Closed corporate BKK for Mercedes-Benz Group employees. Directly comparable closed-BKK structure anchored to a single large industrial Trägerunternehmen with nationwide German workforce.
• Siemens-BKK: Closed Betriebskrankenkasse serving Siemens AG employees and families. Directly comparable closed-corporate BKK with similar employer-anchored membership, statutory contribution model, and lean operations model.
• Volkswagen BKK: Closed Betriebskrankenkasse for Volkswagen AG employees and families. Comparable scale, comparable corporate-sponsor dependency, comparable digital-services investment in member portals.
• Continental BKK: Closed Betriebskrankenkasse tied to the Continentale insurance group. Comparable closed-BKK structure, statutory insurance focus with supplementary product cross-sell.
• Allianz BKK: Health insurance fund primarily serving Allianz Group employees. Closed-corporate BKK with similar product structure and member-extras approach.

Regional players

• AOK Baden-Württemberg: Regional statutory health insurer headquartered in Baden-Württemberg (Mannheim is the Südzucker BKK HQ). Comparable statutory product portfolio and member extras, serves as the principal regional competitor for Südzucker Group employees based in the Mannheim/Rhine-Neckar area.

Broad incumbents

• Techniker Krankenkasse (TK): Largest German open statutory health insurer with broad digital infrastructure. Comparable statutory insurance product portfolio and eHealth (ePA, eRezept) capabilities; relevant as the national benchmark for digital member experience.
• KKH Kaufmännische Krankenkasse: Federal open statutory health insurer with strong white-collar member base. Comparable statutory product portfolio, comparable extra-benefits positioning, and comparable digital-service investment \u2014 relevant as a competitor members might switch to upon leaving Südzucker employment.
• BARMER: One of Germany's largest open statutory health insurers. Comparable statutory Kranken- and Pflegeversicherung products, digital service platform and national geographic reach \u2014 relevant as a benchmark for competitive positioning and digital feature set.

Market position

Strengths1 record

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 Südzucker BKK