BKK MTU

What BKK MTU does

BKK MTU is a closed statutory company health insurance fund (Betriebskrankenkasse) and public-law corporation with self-administration (Körperschaft des öffentlichen Rechts mit Selbstverwaltung), supervised by the Ministerium für Soziales, Gesundheit und Integration Baden-Württemberg and headquartered in Friedrichshafen, Germany. The fund provides statutory health and nursing care insurance exclusively to employees of Rolls-Royce Power Systems AG, MTU Friedrichshafen GmbH, MTU Onsite Energy GmbH, Rolls-Royce Solutions GmbH, and IFA Holding GmbH, together with their family members, under the German Gesundheitsfonds social security framework. With a staff of eight, BKK MTU operates a single office at Hochstraße 40, Friedrichshafen, supported by phone, email, and online membership application channels in both German and English.

The core product portfolio centers on a digital health stack anchored by the cross-platform ePA (elektronische Patientenakte) App, which under the 'ePA für alle' opt-out framework automatically provisions electronic patient records for all insured persons since January 2025 and integrates e-Rezept electronic prescriptions, TI-Messenger secure healthcare messaging, and OAuth2/OpenID Connect-based single sign-on. Supporting products include the BKK MTU mobile app for membership management, the NFC-enabled electronic health card (eGK) with European Health Insurance Card entitlement, a bonus program rewarding health-promoting activities with cash payments up to €100, a member referral program paying €30 per successful recruit, the 'bewegt' member magazine, and the annual 'Achte auf Dich' mental health campaign. Technical infrastructure is hosted on a BITMARCK-managed data center and connects to the gematik-operated Telematikinfrastruktur, with mobile push notifications delivered via Firebase Cloud Messaging and Apple Push Notification Service and document scanning via Google ML Kit.

BKK MTU generates revenue through statutory employer/employee contributions under the German Gesundheitsfonds system, with contribution rates set by federal law as a percentage of gross wages and any optional Zusatzbeitrag set by the fund itself; specific rates are not publicly disclosed. Its go-to-market is structurally captive: membership is restricted to the Rolls-Royce Power Systems AG employee population, acquired through direct employer onboarding via the works council, supplemented by a member-get-member referral program, English-language outreach to international staff, and a 'Welcome to Germany' page. As a public-law corporation rather than a commercial entity, the fund has no external ownership, no funding rounds, and no M&A activity; its growth ceiling is mechanically linked to the employment and payroll trajectory of Rolls-Royce Power Systems AG and its affiliates.

Name

BKK MTU

Legal name

BKK MTU

Website

https://bkk-mtu.de

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

BKK MTU is a closed German statutory company health insurance fund (Betriebskrankenkasse) providing health and nursing care coverage exclusively to employees of Rolls-Royce Power Systems AG and affiliated group companies and their families, supported by a digital ePA app, electronic health card, and member engagement programs.

Ownership category

akta.pro rank

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels5 records

Marketing channels7 records

Core offering

BKK MTU is a closed statutory company health insurance fund (Betriebskrankenkasse) providing mandatory health and nursing care insurance exclusively to employees of Rolls-Royce Power Systems AG, MTU Friedrichshafen GmbH, MTU Onsite Energy GmbH, and affiliated companies, along with their families. It supplements the German statutory benefit catalog with extra services (Extraleistungen), a bonus program, and a digital health ecosystem anchored by the ePA app, E-Rezept, TI-Messenger, and NFC electronic health card.

Product overview

BKK MTU is a statutory health insurance provider (Betriebskrankenkasse) structured as a public-law corporation with self-administration, exclusively serving employees of Rolls-Royce Power Systems AG, MTU Friedrichshafen GmbH, and MTU Onsite Energy GmbH, along with their families. The core product offering centers on the ePA (elektronische Patientenakte) app—a comprehensive digital health record system available across iOS, Android, Windows, macOS, and Linux platforms that enables insured persons to access, manage, and share medical documents. This is complemented by the BKK MTU mobile app for general insurance services including membership management and bonus program access. Supporting services include the NFC-enabled electronic health insurance card (eGK), a bonus program rewarding health-promoting activities with cash payments up to 100 EUR, the member referral program offering 30 EUR per successful referral, and the 'Achte auf Dich' mental health campaign featuring webcasts and podcasts. The portfolio also includes the 'bewegt' member magazine and, within the ePA ecosystem, the E-Rezept application for electronic prescriptions and the TI-Messenger for secure healthcare communication.

Differentiator

Problem solved

Functional benefit

Products and services

• ePA App (Elektronische Patientenakte App) Mobile and desktop application for managing the electronic patient record (ePA). Enables insured persons to access, store, and manage medical documents such as doctor's reports and diagnoses, control data-access permissions for healthcare providers, and access E-Rezept and TI-Messenger features. Available for iOS, Android, Windows, macOS, and Linux.
• BKK MTU Mobile App Comprehensive mobile application providing access to insurance services, including membership management, bonus program registration, photo upload for electronic health cards, and general health insurance functions.
• Elektronische Gesundheitskarte (eGK) NFC-enabled electronic health insurance card serving as identification for medical services at doctors and hospitals. Contains a processor chip for data protection, photo for identity verification, and a permanent 10-digit insurance number. European Health Insurance Card (EHIC) on the reverse provides EU travel coverage.
• Bonusprogramm (Bonus Program) Health bonus program rewarding insured persons for health-promoting activities. Includes a base bonus available to all insured without conditions and a supplementary bonus requiring at least three documented health measures per calendar year. Members completing nine or more measures receive an additional €100 cash payment.
• Mitglieder werben Mitglieder (Member Referral Program) Member referral program offering €30 cash reward for each successfully recruited new member. Available to existing members recommending BKK MTU to colleagues, friends, or family members employed at Rolls-Royce Power Systems AG, MTU Friedrichshafen GmbH, and MTU Onsite Energy GmbH.
• E-Rezept (Electronic Prescription) Application within the ePA app for accessing and managing electronic prescriptions issued by doctors and dentists. Allows viewing of prescribed and dispensed medications, communication with pharmacies, and retrieval of e-prescriptions from the E-Rezept backend service.
• TI-Messenger Healthcare-specific instant messaging service within the ePA app enabling secure communication between insured persons and authorized healthcare providers, institutions, and insurance funds. Messages are end-to-end encrypted.
• Statutory Health and Nursing Care Insurance Coverage Statutory health insurance (gesetzliche Krankenversicherung) and nursing care insurance (Pflegeversicherung) coverage for employees of Rolls-Royce Power Systems AG, MTU Friedrichshafen GmbH, MTU Onsite Energy GmbH, Rolls-Royce Solutions GmbH, and IFA Holding GmbH, plus family co-insurance for spouses, life partners, and children. Includes dental and medical care, preventive health programs, and travel health coverage in the EU via EHIC.

Quantifiable outcome

• €30 cash reward for each successfully recruited new member under the member-get-member program
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Mercedes-Benz BKK: Mercedes-Benz BKK is a closed corporate health insurance fund for Mercedes-Benz Group employees and families — same single-employer Betriebskrankenkasse structure as BKK MTU. Comparable in membership restriction, regulatory framework, and digital offering.
• BKK VBU: BKK VBU (Versorgungswerk der Bundesdruckerei-Unternehmen) is one of the larger Betriebskrankenkassen, offering statutory health insurance across multiple corporate sponsors. Directly comparable in operating under the same Körperschaft des öffentlichen Rechts structure and BITMARCK-based IT infrastructure.
• BKK Mobil Oil: BKK Mobil Oil is a Betriebskrankenkasse historically serving ExxonMobil/Mobil Oil affiliates, now operating as a corporate SHI fund with a similar closed-employer origin. Comparable in statutory health insurance product structure, supplementary benefits approach, and digital service offerings.
• Audi BKK: Audi BKK is a closed Betriebskrankenkasse serving employees of AUDI AG and affiliated Volkswagen Group companies — directly comparable to BKK MTU's closed corporate SHI fund model for a single automotive/industrial employer. Operates under identical German social security framework.
• BKK firmus: BKK firmus is a Betriebskrankenkasse operating under the same German SHI framework, providing statutory health and nursing care insurance. Directly comparable in product scope (GKV/Pflegeversicherung), digital infrastructure (ePA), and bonus programs, though with broader open enrollment.
• BKK PwC: BKK PwC is a closed Betriebskrankenkasse serving PricewaterhouseCoopers employees — same single-employer closed fund model as BKK MTU. Comparable in target market (white-collar professional services employees), digital-first positioning, and supplementary benefit approach.

Others

• BITMARCK Holding GmbH: BITMARCK is the shared IT services provider owned by multiple Betriebskrankenkassen (including BKK MTU) — providing the data center infrastructure, ePA, and GKV-specific systems BKK MTU relies on. Relevant as a critical enabling/infrastructure counterpart rather than a competitor.

Broad incumbents

• Techniker Krankenkasse (TK): TK is Germany's largest statutory health insurance fund (Ersatzkasse) with broad open enrollment across all occupations. Operates in the same GKV regulatory framework as BKK MTU but at materially larger scale and with nationwide reach rather than a closed employer pool.
• Barmer: Barmer is one of Germany's largest nationwide statutory health insurance funds (Ersatzkasse). Comparable in operating under the same SHI framework, offering ePA and digital services, but at significantly larger scale and with open enrollment versus BKK MTU's closed corporate model.

Regional players

• AOK Baden-Württemberg: AOK Baden-Württemberg is the regional statutory health insurance fund for Baden-Württemberg — the same state where BKK MTU operates and where its members reside. Directly comparable in regulatory environment, state supervision, and local service footprint, but open to all residents rather than employer-restricted.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/bkk-mtu

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 records

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 MTU