BKK Betriebskrankenkasse Schwarzwald-Baar-Heuberg

Name

BKK Betriebskrankenkasse Schwarzwald-Baar-Heuberg

Legal name

Betriebskrankenkasse Schwarzwald-Baar-Heuberg

Website

https://bkk-sbh.de

Company type

Private

Founded year

1996

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Headquarters

HQ city

Trossingen

HQ country

Germany

HQ region

Europe

Offices5 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: As a statutory health insurance fund (gesetzliche Krankenkasse), BKK SBH generates primary revenue from membership contributions consisting of the uniform statutory contribution rate plus an individual supplementary contribution rate. Revenue is collected from employed members, employers, and other insurees. The 2026 supplementary contribution rate is 2.79%. The fund's 2024 budget volume was approximately EUR 100 million.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels10 records

Core offering

BKK SBH is a statutory German health insurance fund (gesetzliche Krankenkasse) providing mandatory health coverage to members in Baden-Württemberg. The fund collects statutory and supplementary contributions and delivers standard statutory benefits plus supplementary offerings such as osteopathy reimbursement, bonus programs, online dermatology (OnlineDoctor), app-based physiotherapy (OrthoHeroBKK), digital health courses, and an integrated digital services platform anchored by the ePA-App, Online-Geschäftsstelle customer portal, and BKK SBH Service-App.

Product overview

BKK SBH operates as a statutory health insurance provider (Betriebskrankenkasse) offering a digital health services ecosystem centered on its ePA-App, which serves as the primary platform integrating the electronic patient record (ePA), E-Rezept, and TI-Messenger applications. The company provides its core Online-Geschäftsstelle digital customer portal alongside mobile access via the BKK SBH Service-App. Additional services include supplementary health offerings such as OrthoHeroBKK (app-based movement therapy), OnlineDoctor (online dermatology), health courses through VION, and osteopathic treatment reimbursements. The product architecture follows a unified platform (ePA-App) with integrated modules for prescription management, secure messaging, and health navigation, supplemented by web-based services and external partner integrations.

Differentiator

Problem solved

Functional benefit

Products and services

• Statutory Health Insurance Membership
• ePA-App (Elektronische Patientenakte)
• E-Rezept (Electronic Prescription)
• TI-Messenger
• Online-Geschäftsstelle (Online Customer Portal)
• BKK SBH Service-App
• OnlineDoctor (Online Hautcheck)
• OrthoHeroBKK
• Gesundheitskurse (Health Courses)
• Online Coaches
• Osteopathic Treatment Reimbursement
• Bonus Programme (Bonusprogramme)
• Gesundheitslotse (Health Navigator)

Quantifiable outcome

• Customer satisfaction of 94% (October 2025, own customer survey)
• +4 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature7 records

Partnerships

Five partnerships are on record, tiered core and minor.

• OnlineDoctor (by OnlineDoctor AG)coreStrategic or Co-development Partner · 1 October 2021OnlineDoctor provides a digital dermatology consultation platform integrated into BKK SBH's service offering. Insured persons can receive a documented specialist dermatology diagnosis within 48 hours (average 7 hours) via asynchronous online consultation. Costs are fully covered by BKK SBH. The service uses 300+ licensed German dermatologists and includes two Muttermal (mole) assessments per year at no additional cost.
• OrthoHeroBKK Partnership (BVOU, Herodikos GmbH, KVBW, BKK VAG Baden-Württemberg)coreStrategic or Co-development Partner · 1 October 2021OrthoHeroBKK is a joint digital health programme for app-supported, physician-supervised physiotherapy treatment of back and knee conditions. Developed by BKK VAG Baden-Württemberg, Berufsverband für Orthopädie und Unfallchirurgie (BVOU), Herodikos GmbH, and Kassenärztliche Vereinigung Baden-Württemberg (KVBW). BKK SBH participates as a member of BKK VAG Baden-Württemberg. The programme provides a 90-180 day individual training plan via the Herodikos app under specialist physician supervision.
• Meta Platforms Ireland Limited (Facebook)minorGTM or Marketing PartnerBKK SBH maintains an official Facebook page (BKK Schwarzwald-Baar-Heuberg) for social media presence and customer engagement. Facebook is also used as a social plugin for content sharing functionality on the website.
• gematik GmbHcoreTechnology or Integrationgematik GmbH (National Agency for Digital Medicine) is the government body responsible for specifications and approval of the electronic patient record (ePA), e-prescription, and TI-Messenger services. BKK SBH must comply with gematik technical specifications for all digital health applications (E-Rezept-Fachdienst, Telematikinfrastruktur).
• Expert Systems AG (Proven Expert)minorGTM or Marketing PartnerBKK SBH uses Proven Expert by Expert Systems AG for customer review and rating collection on its website.

Scale indicators6 records

Recent moves2 records

Expansion highlights3 records

Direct peers

• Audi BKK: A Betriebskrankenkasse of similar company-origin lineage serving members across multiple German states. Direct peer in the BKK sub-segment, comparable in product offering, supplementary-rate-driven positioning, and target member segments.
• AOK Baden-Württemberg: The largest statutory health insurer (Allgemeine Ortskrankenkasse) in Baden-Württemberg, directly competing for the same member pool as BKK SBH with overlapping extra benefits and branch networks. Highly comparable in target geography, statutory benefits structure, and B2B employer offerings.
• BKK VAG Baden-Württemberg: Another Betriebskrankenkasse operating in Baden-Württemberg and the joint developer of the OrthoHeroBKK programme with BKK SBH. Direct peer in the BKK sub-segment of statutory insurance with the same regional focus and member acquisition dynamics.
• BAHN-BKK: Betriebskrankenkasse with origins in the railway sector, now open to members nationwide. Comparable as a BKK-type statutory fund with similar cost structure, digital services investment, and supplementary-benefit competition versus BKK SBH.

Broad incumbents

• DAK-Gesundheit: Major nationwide statutory health insurer (Ersatzkasse) competing for the same member segments. Comparable statutory benefits framework, similar digital strategy (ePA, apps), and similar focus on supplementary benefits and extra services.
• Barmer Krankenkasse: One of Germany's largest nationwide statutory health insurers, offering the same statutory benefit catalogue and competing for employer groups and individuals. Comparable product offering with broader geographic reach and substantially larger scale than BKK SBH.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurer with nationwide reach and a strong digital brand. Comparable as a statutory Krankenkasse offering the same SGB V benefits, but operates at vastly greater scale and with broader geographic reach than BKK SBH.
• KKH Kaufmännische Krankenkasse: Statutory Ersatzkasse with nationwide reach competing in the same supplementary-rate-led acquisition market as BKK SBH. Comparable product structure (statutory benefits + extra services) and similar positioning around price competitiveness and digital services.

Emerging players

• mhplus Krankenkasse: Smaller statutory Betriebskrankenkasse with a track record of low supplementary contribution rates and digital-first services. Comparable to BKK SBH in pricing-led positioning and digital strategy, though mhplus operates across multiple German states rather than being regionally restricted.

Regional players

• IKK Südwest: Statutory health insurer (Innungskrankenkasse) operating in the south-west of Germany with overlapping regional coverage to BKK SBH. Comparable as a mid-sized regional statutory fund with similar cost-efficiency and digital-service challenges.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@bkksbh6628
• Facebookfacebook.com/BKKSchwarzwaldBaarHeuberg
• Instagraminstagram.com/bkk_sbh
• LinkedInlinkedin.com/company/bkk-betriebskrankenkasse-schwarzwald-baar-heuberg

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Betriebskrankenkasse Schwarzwald-Baar-Heuberg