What Krankenkasse Birchmeier does

Krankenkasse Birchmeier is a regional, privately operated Swiss health insurance company headquartered in Künten, Canton Aargau. The company is licensed to provide the mandatory basic health insurance (Grundversicherung) under the Swiss KVG framework and serves individual residents and families exclusively within Canton Aargau. It competes by emphasizing personalized, locally accessible customer service, operating a single physical office in Künten with limited weekly opening hours while also delivering digital self-service through a customer portal, mobile applications for iOS and Android, an online document uploader, and a web-based premium calculator.

The core product portfolio comprises the mandatory basic insurance, offered under multiple model variants including standard free choice of physician, family doctor model (Hausarztsystem), and the TELMED alternative insurance model, which requires policyholders to first contact a 24/7 medical advisory center (provided by partner Medgate) before seeking treatment in exchange for premium reductions. Supplementary insurance products — most of which are underwritten or administered by partner Innova Versicherungen — include Plus 1/Plus 2 ambulatory coverage, the sanvita non-smoker and activa general variants, denta dental insurance (three coverage classes), vacanza travel insurance (two variants), prima u/k risk capital insurance, daily allowance (Taggeld) insurance, and justizia health legal protection. Operational technology is built on the BBT Software platform, which underpins the customer portal, policy administration, and document submission workflows, with ancillary partnerships providing pharmacy delivery (Zur Rose), hotel discounts (HotelCard), and tick-prevention services.

The business model is subscription-based and recurring: monthly or annual premiums from basic and supplementary insurance policies are the primary revenue stream. Pricing is individualized by age, canton of residence, deductible, and chosen insurance model. Customer acquisition relies on direct-to-consumer channels — the website, online premium calculator, mobile app, and a member referral program (CHF 50–80 gift cards per successful referral) — supplemented by community sponsorships of local Aargau sports clubs and trade associations. The firm has approximately 5 employees, no external investors, no parent company, and no publicly disclosed financials, consistent with a small, owner-operated regional carrier.

Name

Krankenkasse Birchmeier

Legal name

Krankenkasse Birchmeier

Website

https://kkbirchmeier.ch

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

Krankenkasse Birchmeier is a small, privately operated Swiss health insurer headquartered in Künten, Canton Aargau, offering mandatory KVG basic insurance and supplementary products exclusively to residents of Canton Aargau through digital self-service and a local office.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Insurance Carriers, Nec (6399)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Simplified Issue Disability Insurance (FSAIAIAG), Combined Critical Illness + Hospital Indemnity Policies (FSAIAKAC)

Keywords

• Mandatory health insurance
• Supplementary health insurance
• Swiss KVG insurance
• Telemedical insurance model
• Regional health insurer

Headquarters

HQ city

Künten

HQ country

Switzerland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Basic Health Insurance (Obligatorische Krankenpflegeversicherung): Mandatory basic health insurance under Swiss KVG law, providing coverage for medical treatment, hospitalization, and basic healthcare services. Premiums are the primary revenue stream based on age, location, and chosen deductible.
2. Supplementary Insurance (Zusatzversicherungen): Optional supplementary insurance products including ambulatory coverage (Plus 1, Plus 2), hospital coverage, dental insurance (denta), travel insurance (vacanza), risk capital insurance, and health legal protection. Products offered through partner Innova Versicherungen.
3. Travel Insurance (Ferien- und Reiseversicherung vacanza): Travel and holiday insurance providing worldwide coverage for medical emergencies, including ambulatory and stationary treatments, rescue and transport costs. Available online through Innova Versicherungen platform.
4. Daily Allowance Insurance (Taggeldversicherung): Daily sickness and accident benefit insurance supplementing employer salary continuation. Covers up to CHF 30 per day with customizable waiting periods. Targets employed and self-employed individuals and household managers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

Krankenkasse Birchmeier is a regional Swiss health insurer selling mandatory basic health insurance (Grundversicherung under KVG) and a portfolio of optional supplementary insurance products — including ambulatory coverage (Plus 1/Plus 2, sanvita, activa), dental insurance (denta), travel insurance (vacanza), daily allowance insurance (Taggeld), risk capital insurance (prima u/prima k), and health legal protection (justizia) — to individuals and families residing in Canton Aargau. Distribution is direct via an online customer portal, mobile app, premium calculator, and a physical office in Künten, with a 24/7 TELMED telephone advisory service for the alternative-insurance model.

Product overview

Krankenkasse Birchmeier is a regional health insurance provider serving the Canton of Aargau, Switzerland, offering mandatory basic health insurance (Grundversicherung) with multiple insurance models including the TELMED telephone advisory model, family doctor systems, and free doctor choice. The core product portfolio includes the TELMED-Versicherungsmodell as the primary alternative insurance model featuring 24/7 telemedical consultation. Supplementary insurance products (Zusatzversicherungen) include outpatient coverage (Plus 1/Plus 2 with sanvita/activa variants), dental insurance (denta), travel insurance (vacanza), risk capital insurance (prima u/prima k), daily allowance insurance, legal protection (justizia), and hospital insurance. Digital services encompass a customer portal, mobile app, document uploader, and premium calculator. Partnerships provide access to online pharmacy services (Zur Rose), hotel discounts (HotelCard), and tick prevention cards.

Differentiator

Problem solved

Functional benefit

Brands

• TELMED: Telemedical insurance model offering 24/7 medical consultation by phone
• sanvita
• activa
• denta
• vacanza
• prima u / prima k
• Impensa / Impensa plus

Products and services

• TELMED Insurance Model (TELMED-Versicherungsmodell) Alternative basic-insurance model requiring policyholders to first call a 24/7 medical advisory center before seeking treatment; provides telephone triage by medical professionals (Medgate partnership) and rewards conscious use of medical services with premium reductions. Targeted at Canton Aargau residents seeking lower premiums in exchange for telehealth-first care navigation.
• Mandatory Basic Health Insurance (Grundversicherung / KVG) Mandatory basic health insurance under Swiss KVG law providing coverage for medical treatment, hospitalization, and basic healthcare services. Premiums are based on age, canton of residence, and chosen deductible. Required for all Swiss residents and offered with multiple model options (free choice, TELMED, family doctor).
• Ambulatory Supplementary Insurance Plus 1 / Plus 2 (sanvita / activa) Optional supplementary outpatient insurance covering complementary medicine, preventive care, visual aids, health promotion, transport costs, and household assistance. Plus 2 offers higher coverage limits (up to CHF 3,000 for complementary medicine). Variants sanvita (for non-smokers) and activa (general coverage including smoking-related conditions) are available; products delivered through partner Innova Versicherungen.
• Dental Insurance denta (Klasse 1-3) Dental insurance covering a percentage of dental treatment costs, available in three classes: Class 1 (50% up to CHF 1,000/year), Class 2 (75% up to CHF 1,500/year), and Class 3 (75% up to CHF 3,000/year). Targets individuals and families seeking dental coverage beyond basic insurance.
• Travel Insurance vacanza (a / b) Worldwide travel medical insurance covering ambulatory and inpatient treatment, rescue and transport costs. Available in two variants: vacanza a (Individual up to CHF 50,000, Family up to CHF 100,000) and vacanza b (Individual up to CHF 100,000, Family up to CHF 200,000). Rescue costs covered at 50% up to CHF 20,000. Delivered through Innova Versicherungen with online checkout.
• Risk Capital Insurance prima u / prima k Risk capital insurance providing lump-sum benefits in case of death or disability due to illness or accident. Covers accident death up to CHF 300,000, accident disability up to CHF 300,000 (progressive 350% up to CHF 1,050,000), illness death up to CHF 500,000, and illness disability as agreed.
• Daily Allowance Insurance (Taggeldversicherung) Daily sickness and accident allowance insurance providing up to CHF 30/day supplementing employer salary continuation during illness or accident. Customizable waiting periods (3, 15, 31, 61, 91, 121, 151, 181, or 361 days), coverage duration up to 720 days within 900 days, entry age 15 to 65. Targets employed, self-employed, and household managers.
• Health Legal Protection Insurance justizia Patient legal protection insurance covering legal disputes arising from health impairments, including liability disputes with service providers, accident causers, and insurance companies. Legal services delivered through partner Coop Rechtsschutz AG.
• Online Premium Calculator (Prämienrechner) Online self-service tool allowing prospective customers to calculate and obtain insurance premium quotes based on postal code, gender, and birth year. Drives product-led acquisition and price transparency for basic health insurance.

Quantifiable outcome

• Up to CHF 3000 annual reimbursement for complementary medicine treatments under Plus 2 supplementary insurance
• +2 more outcomes

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature4 records

Partnerships

13 partnerships are on record, tiered core and minor.

• Zur RosecoreGTM or Marketing PartnerZur Rose is an online pharmacy partner offering medication delivery services to Krankenkasse Birchmeier customers. Customers receive 8% discount on generic medications and biosimilars, a CHF 30 Migros gift card for first standing prescriptions, and 200 Cumulus points for new prescriptions. Direct billing with Krankenkasse Birchmeier is available.
• MedgatecoreStrategic or Co-development PartnerMedgate provides telemedicine advisory services for the TELMED insurance model, offering 24/7 medical telephone consultations by medical professionals. They conduct symptom assessment (triage) and determine appropriate treatment pathways.
• Innova VersicherungencoreTechnology or IntegrationInnova Versicherungen is the partner for supplementary insurance products, providing the product infrastructure for Plus 1, Plus 2, vacanza travel insurance, and other supplementary coverage. They also maintain the therapist network for complementary medicine coverage (75% reimbursement up to 120 CHF/hour).
• BBT SoftwarecoreTechnology or IntegrationBBT Software is the technology partner providing the software platform for the customer portal, policy management systems, and digital insurance services.
• RVK LuzernminorOthersRVK Luzern provides services and insurance products for the health market. Listed as a partner in the links section of the website.
• SantésuisseminorOthersSantésuisse is the umbrella association of Swiss health insurers. Listed as a partner in the links section.
• Coop Rechtsschutz AGminorImplementation/ SI/ Consulting PartnerCoop Rechtsschutz AG provides legal services for the Gesundheitsrechtsschutz (health legal protection) insurance product. Their legal service defends customer interests in health-related legal matters.
• Unihockeyclub BremgartenminorOthersLocal sports club sponsored by Krankenkasse Birchmeier as part of community engagement in the Aargau region.
• Gewerbeverein RohrdorferbergminorOthersLocal trade association in Rohrdorferberg. Krankenkasse Birchmeier is a member supporting local business community.
• Schützengesellschaft RemetschwilminorOthersLocal shooting club in Remetschwil sponsored by Krankenkasse Birchmeier.
• Handwerker- & Gewerbeverein BremgartenminorOthersLocal craft and trade association in Bremgarten. Krankenkasse Birchmeier is a member supporting local trade businesses.
• HotelCardminorGTM or Marketing PartnerHotelCard partnership offering Krankenkasse Birchmeier customers discounted hotel rates at 500 hotels in Switzerland and surroundings, with up to 50% savings. Available for 1-3 year subscriptions at reduced rates for customers.
• Zeckenkarte (Tick Card)minorOthersTick card offering available through Krankenkasse Birchmeier for customer health protection against tick-borne diseases. Can be ordered through the website.

Scale indicators1 record

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• SWICA: Major Swiss health insurer with strong TELMED and alternative insurance model presence. Comparable in offering TELMED-style products and supplementary coverage, but at much larger national scale.
• Helsana: One of Switzerland's largest health insurers offering the full suite of basic and supplementary insurance products nationwide. Overlaps entirely in product categories but operates at significantly larger scale and broader geographic reach.
• CSS Versicherung: Switzerland's largest basic health insurer with the broadest market share. Competes in the same KVG mandatory market as well as supplementary insurance, with vastly greater scale, marketing, and product diversity.
• Assura: Switzerland's largest basic health insurer by insured persons, with strong supplementary insurance offering. Directly competes in the KVG market across Swiss cantons including Aargau with lower premium positioning.
• Sanitas: Swiss health insurer offering basic and supplementary coverage to individuals and corporate customers. National footprint with comparable product lines including supplementary insurance and alternative models.

Direct peers

• Atupri: Swiss health insurer offering basic and supplementary insurance under the KVG framework with comparable product diversity. Similar mid-sized carrier profile competing for the same retail customer in Swiss cantons.
• ÖKK: Swiss health insurer with regional roots (Graubünden) operating mandatory basic insurance and supplementary products. Comparable as a non-large Swiss health insurer with TELMED-style alternative models and similar customer segment focus.
• Visana: Swiss health and accident insurer providing mandatory basic insurance and supplementary coverage. Directly competes in the same KVG-regulated market with similar product structure including telmed variants and supplementary insurance offerings.
• Concordia: Swiss health insurer operating mandatory basic insurance (KVG) and supplementary products across multiple cantons including Aargau. Directly comparable in product mix (basic + supplementary, telmed/Hausarzt models), customer base (Swiss residents), and regulatory framework.
• KPT: Bern-based Swiss health insurer offering basic and supplementary insurance including alternative models. Operates in the same KVG-regulated market with comparable product portfolio and customer acquisition model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/krankenkasse-birchmeier

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 Krankenkasse Birchmeier