BKK ZF & Partner

What BKK ZF & Partner does

ZF BKK (formerly BKK ZF & Partner, operating under the trade name 'Ihre ZF BKK') is a German statutory health insurance fund (gesetzliche Krankenkasse) headquartered in Friedrichshafen, Baden-Württemberg, with approximately 70 employees. It provides mandatory health insurance (Krankenkasse) under the German social insurance framework and operates a separate long-term nursing care insurance arm (Pflegekasse). The fund serves individual members across life stages — families, employees, apprentices, students, self-employed, and retirees — with benefits extending beyond statutory minimums in areas such as children's health, preventive care, natural remedies, and selective-contract premium care (Premium-Versorgung, TOPLeistungen).

The company runs a hybrid digital-and-physical service model. The digital stack includes an Online-Geschäftsstelle (self-service portal), a mobile Service App available on iOS and Android, and an Elektronische Patientenakte (ePA / electronic patient record). Physical presence is maintained through regional Geschäftsstellen (branch offices). Distribution and acquisition channels span the corporate website, social media (Facebook, YouTube, TikTok, LinkedIn, Instagram), the eMagazin GESUNDHEIT content platform, community events (Tag der Prävention, Connect & Grow), and a 2026-launched €30-per-referral member recommendation program.

The business model is subscription-based statutory contribution income, with rates and the operating framework set by German law rather than market-negotiated pricing. ZF BKK is structured as an autonomous public entity under German social insurance law, governed by a Verwaltungsrat (administrative board), with no venture capital, private equity, or listed equity ownership. The fund has no publicly disclosed revenue or member count, consistent with disclosure norms for German statutory health insurers. A 2026 rebrand introduced an AI-coded Verbal Identity and a modernized visual identity, earning the German Brand Award 2026 in both 'Best AI Project of the Year' and 'Brand Digitalization'.

Name

BKK ZF & Partner

Legal name

ZF BKK

Website

https://bkk-zf-partner.de

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

ZF BKK (formerly BKK ZF & Partner) is a German statutory health insurance fund in Friedrichshafen, providing Krankenkasse and Pflegekasse coverage to individual members across life stages, supported by a digital stack (App, ePA, online portal) and physical branch offices.

Ownership category

akta.pro rank

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: As a statutory health insurance provider (gesetzliche Krankenkasse) in Germany, ZF BKK generates revenue through statutory health insurance contributions paid by members. Contributions are calculated as a percentage of gross income, subject to income thresholds and government-mandated contribution rates. The company also operates a separate long-term care insurance (Pflegekasse) arm.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

ZF BKK is a German statutory health insurance fund providing compulsory health insurance (Krankenkasse) and nursing care insurance (Pflegekasse) to individuals and families in Germany. Its core offering is delivered through a digital-first service model — Online-Geschäftsstelle, Service App, and electronic patient record (ePA) — supplemented by physical branch offices and a set of enhanced benefits including TOPLeistungen, Premium-Versorgung selective care contracts, second medical opinion, preventive care, dental, children's health, natural remedies, and lifestyle programs.

Product overview

BKK ZF & Partner is a statutory health insurance provider (BKK) offering a unified platform of health and nursing care insurance services. The core offering consists of health insurance (Krankenkasse) and nursing care insurance (Pflegekasse) supported by digital service channels including the Online-Geschäftsstelle (online business office) and ZF BKK Service App. Premium offerings include TOPLeistungen (enhanced benefits package) and Premium-Versorgung (contract-based selective care). The portfolio spans specialized service categories covering children's health, dental health, natural remedies, prevention, hospital/rehab care, pregnancy/baby services, and digital health. Recent innovations include an AI-coded Verbal Identity system that won the German Brand Award 2026.

Differentiator

Problem solved

Functional benefit

Brands

• Premium-Versorgung: Premium healthcare services with specialized contract offers for members
• TOPLeistungen
• Connect & Grow
• ZF BKK Service App
• Online-Geschäftsstelle

Products and services

• Krankenkasse (Statutory Health Insurance)
• Pflegekasse (Nursing Care Insurance)
• TOPLeistungen (Top-Tier Benefits Package)
• Premium-Versorgung (Selective Premium Care)
• Online-Geschäftsstelle (Online Member Portal)
• ZF BKK Service App
• Elektronische Patientenakte (ePA / Electronic Patient Record)
• Zweitmeinung (Independent Medical Second Opinion)
• Mitgliedschafts-Empfehlungsprogramm (Member Referral Program)

Quantifiable outcome

• €30 referral incentive per recommended new member
• +1 more outcomes

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Techniker Krankenkasse (TK): Largest German statutory health insurer by membership; competes head-to-head with ZF BKK for switchers and sets the benchmark for digital service and selective contracts in the GKV market.
• Barmer: One of the largest statutory health insurers in Germany; broad portfolio with overlapping services (digital, prevention, selective contracts) and overlapping customer segments.
• AOK Baden-Württemberg: Regional statutory health insurer covering the same Baden-Württemberg geography as ZF BKK, including the Friedrichshafen area; large incumbent competitor for the same employer and family segments.

Direct peers

• Audi BKK: Corporate-affiliated BKK originally tied to Audi/Volkswagen Group; structurally a near-identical peer to ZF BKK in target segments, statutory product set, and BKK regulatory framework.
• SBK (Siemens-Betriebskrankenkasse): Corporate-affiliated German BKK with a similar size band and digital-first service approach; competes for the same German GKV switching pool as ZF BKK, with comparable premium-only revenue model.
• Daimler BKK: Corporate-affiliated BKK for Daimler employees, comparable in member profile (industrial workforce) and statutory product structure; competes in the same Baden-Württemberg/southern Germany market.
• Pronova BKK: Open corporate-affiliated BKK; operates in the same GKV market with comparable premium-only revenue model and a similar size band to ZF BKK.
• BKK Mobil Oil: Corporate-affiliated BKK tied to ExxonMobil/Mobil Oil; mid-sized statutory fund with similar digital services and selective-contract offerings to ZF BKK.
• BKK ProVita: Open BKK active in the German statutory health insurance market with comparable service portfolio and competitive positioning to ZF BKK.
• Porsche BKK: Corporate-affiliated BKK for Porsche employees, very similar in corporate origin, regional footprint (Baden-Württemberg), and target member base to ZF BKK.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@zf_bkk
• Facebookfacebook.com/bkkzfpartner
• LinkedInlinkedin.com/company/bkk-zf-partner
• Instagraminstagram.com/zf_bkk
• TikToktiktok.com/@zfbkk

Revenue estimate

Valuation estimate

Number of profiles

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 BKK ZF & Partner