KNAPPSCHAFT
KNAPPSCHAFT is a German statutory health and long-term care insurance fund operating under Deutsche Rentenversicherung Knappschaft-Bahn-See, serving approximately 1.1 million insured members with regulated contribution-funded coverage, an integrated digital health app stack, and the prosper/proGesund provider network across multiple German regions.
- Company typePrivate
- Founded1907
- HeadquartersEssen, Germany
- Headcount251–500
- GTM typeB2C
- OfferingServices
What KNAPPSCHAFT does
KNAPPSCHAFT is a German statutory health insurance fund (gesetzliche Krankenkasse) operating under the public-law institution Deutsche Rentenversicherung Knappschaft-Bahn-See, headquartered in Essen with regional directorates and hospital/clinic facilities in cities including Chemnitz, Bochum, and Bottrop. Originally established in 1907 as a miners' health insurance fund, the organization today serves approximately 1.1 million insured members across Germany following a 2005 merger with the railway health insurance fund (Bahn-BKK) and a 2010 merger with the Deutsche Rentenversicherung Knappschaft-Bahn-See insurance functions.
The company's core offering is statutory health and long-term care insurance funded by legally mandated contributions (general contribution rate of approximately 14.6% of gross income plus an individual supplementary rate, split 50/50 between employer and employee). On top of this regulated base, KNAPPSCHAFT operates a broad digital health stack including the Meine KNAPPSCHAFT member service app, the Meine GESUNDHEIT electronic patient record (ePA) app, eRezept electronic prescriptions, the GesundheitsID digital identity, and a catalogue of digital health applications (DiGA) such as the FIMO Long Covid app, Neolexon speech therapy, and Caterna pediatric vision therapy. Distribution is direct-to-consumer across digital channels (website, apps, online magazine), phone service, physical service offices, and employer partnerships.
KNAPPSCHAFT also operates the prosper/proGesund integrated care network across eight regional geographies (Aachen, Bottrop/Oberhausen, Dortmund/Lünen/Kamen, Essen/Mülheim, Gelsenkirchen/Gladbeck, Lausitz, Recklinghausen, Saarland), alongside its own hospital facilities, telemedicine services (Ärzte-Videochat, online psychotherapy, Virtuelle Parkinson Klinik), and supplementary insurance partnerships with Deutsche Krankenversicherung AG, DFV Deutsche Familienversicherung, and DIREKTE LEBEN. The organization employs approximately 253 staff and combines regulated statutory insurance revenue with cross-sell of supplementary products, bonus programs, and preventive health services.
KNAPPSCHAFT firmographics
Firmographics- Name
- KNAPPSCHAFT
- Legal name
- Deutsche Rentenversicherung Knappschaft-Bahn-See
- Website
- https://knappschaft.de
- Company type
- Private
- Founded year
- 1907
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- KNAPPSCHAFT is a German statutory health and long-term care insurance fund operating under Deutsche Rentenversicherung Knappschaft-Bahn-See, serving approximately 1.1 million insured members with regulated contribution-funded coverage, an integrated digital health app stack, and the prosper/proGesund provider network across multiple German regions.
- Ownership category
- akta.pro rank
KNAPPSCHAFT industry classification
Industry- Product category
- Statutory Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Accident & Health Insurance (6321)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
Keywords
Where KNAPPSCHAFT is headquartered
LocationHeadquarters
- HQ city
- Essen
- HQ country
- Germany
- HQ region
- Europe
Offices4 records
Markets served
KNAPPSCHAFT business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others
Revenue model
- Statutory Health Insurance Contributions: KNAPPSCHAFT operates as a statutory health insurance provider (gesetzliche Krankenkasse) in Germany. Revenue is generated through mandatory health insurance contributions paid by members. The contribution rate consists of a general contribution rate (around 14.6% of gross income) plus an individual supplementary rate set by each insurer. Contributions are split between employers and employees.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard Statutory Health Insurance Rate |
Go-to-market motion1 record
Distribution channels6 records
Marketing channels6 records
KNAPPSCHAFT product offering
Product offeringCore offering
KNAPPSCHAFT is a German statutory health and long-term care insurance fund (gesetzliche Krankenkasse) that provides mandatory health insurance coverage to approximately 1.1 million insured members. It offers comprehensive statutory health insurance benefits, supplementary insurance options through partner companies, preventive care programs, and an integrated care network (Rundum-versorgt-Netz) connecting members with hospitals, specialists, and clinics. The fund also operates its own hospital facilities and provides digital health services including electronic patient records, electronic prescriptions, video doctor consultations, and digital health applications.
Product overview
KNAPPSCHAFT is a German statutory health insurance fund (gesetzliche Krankenkasse) offering a comprehensive portfolio of health insurance, nursing care insurance, and digital health services. The core offering centers on health insurance coverage with a network of affiliated healthcare providers. Key digital products include the Meine GESUNDHEIT app for electronic patient records (ePA), the Meine KNAPPSCHAFT service portal app for insurance management, eRezept for electronic prescriptions, and various DiGA (digital health applications) such as FIMO for Long COVID management, Neolexon for speech therapy, and Caterna for pediatric vision therapy. The company operates the prosper/proGesund regional health network connecting approximately 1.1 million insured members with specialists and clinics, supplemented by virtual care options including Ärzte-Videochat (video consultations), online psychotherapy services, and the Virtuelle Parkinson Klinik. Additional offerings include online health courses (ABJETZT programs), the digital.fit health literacy program, and an online magazine with health content.
Differentiator
Problem solved
Functional benefit
Brands
- Rundum-versorgt-Netz: Integrated healthcare network connecting insured persons with specialists, clinics, and health service providers across Germany.
- Meine KNAPPSCHAFT
- Meine GESUNDHEIT
- prosper/proGesund
- Virtuelle Parkinson Klinik
Products and services
- Meine GESUNDHEIT
Quantifiable outcome
- Approximately 1.1 million insured members served through integrated care network
- +2 more outcomes
Companies that use KNAPPSCHAFT
Customer profileSegments8 records
Ideal customer profiles3 records
KNAPPSCHAFT technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature8 records
KNAPPSCHAFT partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core.
- Deutsche Krankenversicherung AGcorePartner company for private supplementary insurance products offered to KNAPPSCHAFT members. Deutsche Krankenversicherung AG provides additional coverage options beyond statutory health insurance.
- DFV Deutsche FamilienversicherungcorePartner company for private supplementary insurance products offered to KNAPPSCHAFT members. DFV provides family-oriented supplementary coverage options.
- DIREKTE LEBENcorePartner company for private supplementary insurance products offered to KNAPPSCHAFT members. DIREKTE LEBEN provides life and health supplementary insurance products.
- prosper Health Networks (Various Regions)coreRegional health networks including: StädteRegion Aachen, Bottrop/Oberhausen, Dortmund/Lünen/Kamen, Essen/Mülheim, Gelsenkirchen/Gladbeck, Lausitz, Recklinghausen, and Saarland. These networks provide integrated care coordination for KNAPPSCHAFT members.
Scale indicators2 records
Recent moves6 records
Expansion highlights4 records
KNAPPSCHAFT competitors and assessment
Company assessmentBroad incumbents
- Allianz Private Krankenversicherung: Major German private health insurer offering full-coverage and supplementary private plans; competes with KNAPPSCHAFT at the boundary between statutory and private insurance for self-employed and high-income members.
- Debeka Krankenversicherung: Large German mutual private health insurer offering full-coverage and supplementary plans; competes with KNAPPSCHAFT for self-employed and civil-servant members choosing private over statutory coverage.
Direct peers
- IKK classic: Innungskrankenkasse serving craft-sector and adjacent employees in Germany; operates under the same statutory framework and competes with KNAPPSCHAFT for the same employee and family member customer base.
- AOK (Allgemeine Ortskrankenkasse): Largest group of German statutory health insurers (AOK Baden-Württemberg, Bayern, NordWest, etc.); the most direct comparable to KNAPPSCHAFT as a statutory Krankenkasse serving employees, families, and retirees across Germany under identical regulatory rules.
- Barmer: Major German statutory health insurer with broad digital service portfolio and millions of insured members; a direct competitor to KNAPPSCHAFT across all customer segments in the same regulated market.
- SBK (Siemens-Betriebskrankenkasse): Open Betriebskrankenkasse serving employees across Germany with comparable statutory health and long-term care coverage; a direct competitor to KNAPPSCHAFT with similar digital-service positioning.
- Techniker Krankenkasse (TK): One of the largest and most innovative German statutory health insurers, with strong digital-service offerings; directly competes with KNAPPSCHAFT for the same employee and family member segments nationwide.
- DAK-Gesundheit: Large German statutory health insurer offering comparable health and long-term care coverage plus digital services; competes head-to-head with KNAPPSCHAFT for switchers in the same Krankenkassen system.
- BIG direkt gesund: Open statutory health insurer marketed as a direct/digital Krankenkasse; competes with KNAPPSCHAFT's digital-first value proposition for younger and more digitally-engaged insureds.
Others
- Helios Kliniken (via Fresenius): Large private hospital operator in Germany relevant to KNAPPSCHAFT as a clinical-services comparator and potential contracting partner; comparable to KNAPPSCHAFT's owned-hospital strategy from a provider-network perspective.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
KNAPPSCHAFT social profiles
Digital presenceKNAPPSCHAFT compliance and trust
Trust signalCompliance1 record
KNAPPSCHAFT financial estimates
Financial estimateRevenue estimate
Valuation estimate
KNAPPSCHAFT leadership team
Management profileNumber of profiles
KNAPPSCHAFT subsidiaries and ownership
Company hierarchySubsidiaries2 records
KNAPPSCHAFT funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
KNAPPSCHAFT M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about KNAPPSCHAFT
What does KNAPPSCHAFT do?
KNAPPSCHAFT is a German statutory health and long-term care insurance fund (gesetzliche Krankenkasse) that provides mandatory health insurance coverage to approximately 1.1 million insured members. It offers comprehensive statutory health insurance benefits, supplementary insurance options through partner companies, preventive care programs, and an integrated care network (Rundum-versorgt-Netz) connecting members with hospitals, specialists, and clinics. The fund also operates its own hospital facilities and provides digital health services including electronic patient records, electronic prescriptions, video doctor consultations, and digital health applications.
Is KNAPPSCHAFT a public or private company?
KNAPPSCHAFT is a private company. It is classified as state government owned and is currently operating.
When was KNAPPSCHAFT founded?
KNAPPSCHAFT was founded in 1907. It employs 251 to 500 people.
Where is KNAPPSCHAFT based?
KNAPPSCHAFT is headquartered in Essen, Germany, in the Europe region.
How does KNAPPSCHAFT make money?
One revenue line is on record: statutory Health Insurance Contributions.
Who are KNAPPSCHAFT's main competitors?
Broad incumbents on record are Allianz Private Krankenversicherung and Debeka Krankenversicherung. Direct peers are IKK classic, AOK (Allgemeine Ortskrankenkasse), Barmer, SBK (Siemens-Betriebskrankenkasse), Techniker Krankenkasse (TK), DAK-Gesundheit and BIG direkt gesund. Helios Kliniken (via Fresenius) is listed as an others.
Does KNAPPSCHAFT have an API?
No public API is recorded for KNAPPSCHAFT.
What industry is KNAPPSCHAFT in?
KNAPPSCHAFT's product category is Statutory Health Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident). Its NAICS code is 524114 and its SIC code is 6321.