bkk melitta hmr

What bkk melitta hmr does

bkk melitta hmr is a German statutory health insurance provider organized as a Betriebskrankenkasse (company-related sickness fund) and a Körperschaft des öffentlichen Rechts (public-law corporation) under the supervision of the Bundesamt für Soziale Sicherung. The fund serves employees of member companies (Betriebsangehörige) and their families, primarily in the North Rhine-Westphalia and Lower Saxony regions of Germany, with its headquarters in Minden and additional service centers in Nordenham, Herford, and Wiehl. It delivers the full statutory benefit catalog required by German law, including medical treatment, hospitalization, dental care, medications, preventive services, rehabilitation, nursing care, and sickness benefit (Krankengeld), augmented by voluntary additional benefits such as professional dental cleaning, alternative medicine coverage (osteopathy, acupuncture, chirotherapy), prevention courses, and a wellness bonus program.

The fund's core technology consists of a digital service platform comprising an Onlinegeschäftsstelle (online business portal) and dedicated iOS/Android mobile applications, accessed via the kv365 platform, which enable members to manage accounts, submit applications, and access documents. Distribution combines these digital self-service channels with physical service centers, a telephone contact center, and a dedicated corporate channel (BKK-Betriebsservice) for employer-driven enrollment. The product portfolio extends into digital health service categories such as DiGA (Digitale Gesundheitsanwendungen), online skin checks, online vision training, and digital pregnancy support via the keleya app, indicating a deliberate integration of digital therapeutics into the benefit offering.

bkk melitta hmr's business model is the regulated German statutory health insurance contribution model: member and employer contributions are calculated as a percentage of income at statutory rates set by German law, not independently by the fund. As a public-law corporation, the entity has no shareholders, no parent company, no subsidiaries, and no external ownership interests; it is governed by a Vorstand (board) and Verwaltungsrat (supervisory board) comprising employer and employee representatives. Marketing is conducted through the corporate website, social media (Facebook, Instagram, YouTube), blog content, and mobile applications. Revenue is not publicly disclosed.

Name

bkk melitta hmr

Legal name

bkk melitta hmr

Website

https://bkk-melitta-hmr.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

bkk melitta hmr is a German statutory health insurance fund (Betriebskrankenkasse) serving employees of member companies and their families, primarily in North Rhine-Westphalia and Lower Saxony, offering statutory coverage plus digital services and preventive care programs.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Group HMO Plans (FSAIAFAK)

Keywords

• Statutory health insurance
• Health insurance fund
• Preventive health services
• Dental care coverage
• Alternative medicine coverage

Headquarters

HQ city

Minden

HQ country

Germany

HQ region

Europe

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels4 records

Marketing channels5 records

Core offering

bkk melitta hmr is a German statutory health insurance fund (Betriebskrankenkasse) that delivers mandatory health insurance coverage to employees of member companies and their families. Its portfolio bundles the core statutory health insurance product with supplementary benefits such as alternative medicine, prevention and screening courses, professional dental cleaning, wellness bonus programs, family and pregnancy support offerings, and digital health applications (DiGA). Members access these services through an online portal, mobile apps, regional service centers, and contact center support.

Product overview

bkk melitta hmr is a German statutory health insurance company (Betriebskrankenkasse) offering comprehensive health insurance coverage. The company provides its core statutory health insurance product along with digital service platforms including an online business portal (Onlinegeschäftsstelle) and mobile apps for iOS and Android. Additional offerings include wellness incentive programs such as bonus programs, prevention courses, and enhanced dental benefits like professional teeth cleaning. The product portfolio centers on statutory health insurance with supplementary digital services and wellness programs.

Differentiator

Problem solved

Functional benefit

Products and services

• Gesetzliche Krankenversicherung (Statutory Health Insurance) Core statutory health insurance coverage required under German law, providing comprehensive medical treatment, hospital care, dental care, medications, preventive services, rehabilitation, nursing care, and sick pay for enrolled employees and their families.
• Onlinegeschäftsstelle (Online Business Portal / kv365) Secure online portal that enables members to manage their health insurance matters digitally, submit applications and forms, view documents, and access self-service functions across web and mobile.
• Apps der bkk melitta hmr (Mobile Applications) Free smartphone applications for iOS and Android that provide mobile access to health insurance services, member account information, and digital interaction with the fund.
• Bonusprogramm (Bonus Program) Rewards program that incentivizes members to engage in healthy behaviors and preventive care activities in exchange for bonus benefits within the statutory health insurance framework.
• Präventions- & Vorsorgekurse (Prevention & Screening Courses) Prevention courses and health screening services aimed at helping members maintain and improve their health, including in-person and online prevention course formats.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• DAK-Gesundheit: DAK-Gesundheit is a major nationwide statutory health insurer offering comparable benefit structures and digital services. It targets the same employee and family segments as bkk melitta hmr, including employer partnerships, across all German states.
• Barmer: Barmer is one of Germany's largest nationwide statutory health insurers, with a digital-first strategy and broad supplementary benefit offering. It competes with bkk melitta hmr for the same GKV members across Germany, including in NRW and Lower Saxony.
• AOK Nordwest: AOK Nordwest is the regional Allgemeine Ortskrankenkasse covering parts of North Rhine-Westphalia, directly overlapping with bkk melitta hmr's core service territory. It offers the same statutory benefit package and competes head-to-head for the same employee and family enrollees.
• Techniker Krankenkasse (TK): TK is Germany's largest statutory health insurance fund with national reach and a strong digital brand. It competes with bkk melitta hmr for the same statutory insured population across Germany and offers comparable digital service channels and supplementary benefits at much larger scale.
• KKH Kaufmännische Krankenkasse: KKH is a nationwide statutory health insurer with a strong focus on commercial-sector employees — directly comparable to bkk melitta hmr's employer-tied membership base. It competes on supplementary benefits and digital service quality.

Direct peers

• Pronova BKK: Pronova BKK is a corporate Betriebskrankenkasse serving multiple employer groups with national reach. It is a direct peer to bkk melitta hmr in the BKK segment, competing on supplementary benefits, digital services, and employer partnership channels.
• Audi BKK: Audi BKK is another corporate Betriebskrankenkasse with an employer-tied membership model, offering statutory health insurance plus supplementary benefits. It is the closest structural peer to bkk melitta hmr, differing primarily by its founding employer (Audi) and geographic footprint.
• Siemens Betriebskrankenkasse (SBK): SBK is a corporate Betriebskrankenkasse founded by Siemens with a national membership base and strong digital services. It is a direct competitor to bkk melitta hmr in the BKK segment, competing for employer-tied and individual enrollees with similar supplementary benefits.

Regional players

• IKK Nord: IKK Nord is a regional statutory health insurer (Innungskrankenkasse) covering northern Germany, including parts of Lower Saxony. It competes directly with bkk melitta hmr in overlapping geographic markets with similar statutory and supplementary benefit offerings.
• HEK Hanseatische Krankenkasse: HEK is a smaller statutory health insurer focused on northern Germany, providing statutory and supplementary benefits to employees and families. It overlaps with bkk melitta hmr's regional footprint and competes for similar mid-market employer relationships.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• YouTubeyoutube.com/channel/UCUEubwFv6dExulybumBOV0A
• Facebookfacebook.com/bkk-melitta-hmr-114595335355930
• Instagraminstagram.com/bkkmelittahmr
• LinkedInlinkedin.com/company/bkk-melitta-hmr

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

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M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about bkk melitta hmr