bkk melitta plus

What bkk melitta plus does

bkk melitta hmr is a regional statutory health insurance fund (gesetzliche Krankenversicherung / Betriebskrankenkasse) operating as a public-law corporation (Körperschaft des öffentlichen Rechts) under the supervision of the Bundesamt für Soziale Sicherung. The fund was formed on January 1, 2022 through the merger of BKK Melitta Plus and BKK HMR (Betriebskrankenkasse Herford Minden Ravensberg), and subsequently absorbed BKK BPW Bergische Achsen KG on January 1, 2024. As of January 2024, it serves over 86,000 insured members across 12 of 16 German federal states and employs approximately 200 staff, headquartered in Minden with six regional ServiceCenters in Minden, Herford, Nordenham, Bünde, Espelkamp, and Wiehl.

The fund's core product is statutory health insurance coverage (medical treatment, dental, hospitalization, sick pay, nursing care, maternity, preventive care, alternative medicine, and DiGA digital health applications) financed through the legally mandated combined contribution rate of 18.1% of gross income (14.6% general rate + 3.5% Zusatzbeitrag from January 2025). Its technology stack centers on the OnlineService web portal and mobile app (with 46.8% active member adoption), the electronic health card (eGK) with PIN, electronic patient record (ePA), eRezept, medical video consultation, and ancillary apps (memedi medication companion, keleya pregnancy app). The Digital portfolio is supplemented by employer-facing services including Betriebliches Gesundheitsmanagement (BGM), Umlageversicherung U1/U2 for small employers, and regional employer seminars.

The fund operates a hybrid omni-channel model combining digital self-service with face-to-face regional service. GTM is direct-to-consumer for individuals (referral program with €30 bonus, blog, social media, online membership) and direct-to-enterprise for employer clients (BKK-Betriebsservice, BGM consulting, AAG seminars). The fund ranks #1 in the M+M Versichertenbarometer 2025 with a satisfaction grade of 1.71 (81% would choose again, 77% would recommend). Revenue is generated almost entirely from statutory contributions (employer/employee split); the fund is not publicly listed, has no parent company, and is in late 2025 engaged in a lawsuit against the German federal government regarding insufficient reimbursement of non-insurance-related services.

Name

bkk melitta plus

Legal name

bkk melitta hmr

Website

https://bkk-melitta.de

Company type

Private

Founded year

2022

Operating status

Operating

Short description

bkk melitta hmr is a regional German statutory health insurance fund (Betriebskrankenkasse) headquartered in Minden, serving over 86,000 insured members across 12 federal states via six ServiceCenters and a digital self-service portal, offering statutory coverage plus employer health management services.

Ownership category

akta.pro rank

Product category

Statutory Health Insurance

NAICS

Health and Welfare Funds (525120), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Hospital & Medical Service Plans (6324), Accident & Health Insurance (6321)

akta.pro primary industry

Group HMO Plans (FSAIAFAK)

akta.pro secondary industry

Mental Health Parity (MHPAEA) Compliance & Reporting (HLAEAHAG)

Keywords

• Statutory health insurance
• Health insurance fund
• Preventive care services
• Corporate health management
• Dental insurance benefits

Headquarters

HQ city

Minden

HQ country

Germany

HQ region

Europe

Offices6 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Statutory Health Insurance Contributions: As a statutory health insurance provider (gesetzliche Krankenversicherung), the primary revenue stream is derived from statutory health insurance contributions paid by employed members, retirees, and other insured persons. The contribution rate consists of a general contribution rate (allgemeiner Beitragssatz) of 14.6% of gross income plus an additional individual supplementary contribution (Zusatzbeitrag) of 3.5% as of 2025. Contributions are partially paid by employers and partially by employees.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

bkk melitta hmr is a regional statutory health insurance fund (gesetzliche Krankenversicherung / Betriebskrankenkasse) providing mandatory health insurance coverage to employees and their families across 12 German federal states. It funds medical treatment, hospitalization, dental care, preventive services, sick pay, nursing care, maternity benefits, and rehabilitation through statutory contributions. The fund supplements its statutory benefits with digital services (OnlineService portal/app, ePA, eRezept, video consultation, memedi and keleya apps), employer-facing services (BGM, U1/U2 schemes, seminars), and bonus/wahltarif programs.

Product overview

bkk melitta hmr is a regional statutory health insurance provider (Betriebskrankenkasse) operating as a public-law corporation offering a unified health insurance platform with digital service enhancements. The core offering is statutory health insurance coverage with supplementary digital services. The digital portfolio includes the Onlinegeschäftsstelle (web portal and mobile app) as the primary self-service platform, supplemented by specialized apps such as memedi (medication companion), keleya (pregnancy app), and health-focused apps for iOS and Android. Digital health tools include the electronic health card (eGK) with PIN, electronic patient record (ePA), eRezept, DiGA (digital health applications), online skin check, and video consultation. For employer clients, the company provides corporate health management (BGM) and employer seminars. Additional member services include a bonus program, self-deductible tariff (Wahltarif Selbstbehalt) offering up to 600 EUR annual refunds, preventive courses (Aktivwoche, fit for well, Well-Aktiv), and dental services with a 100 EUR annual dental budget.

Differentiator

Problem solved

Functional benefit

Products and services

• Statutory Health Insurance Coverage (GKV) Mandatory statutory health insurance coverage providing medical treatment, hospitalization, dental care, prescription medications, preventive care, maternity benefits, nursing care insurance, sick pay, and rehabilitation for employees and their families in Germany. Funded through statutory contributions at a 14.6% general rate plus a 3.5% Zusatzbeitrag (as of 2025).
• Onlinegeschäftsstelle (Online Service Portal & App) Web-based self-service portal and mobile application enabling insured members to manage health insurance tasks such as submitting sick notes, uploading documents, viewing insurance details, communicating with the fund, and accessing ePA/eRezept functionality.
• Electronic Patient Record (Elektronische Patientenakte / ePA) Electronic patient health record offered to all insured members as part of the German digital health infrastructure, enabling centralized storage and management of personal health data.
• Electronic Prescription (eRezept) Electronic prescription service enabling digital transmission of prescriptions from healthcare providers to pharmacies for insured members.
• Medical Video Consultation (Medizinische Videoberatung) Video consultation service allowing insured members to consult healthcare providers remotely for advisory appointments as part of online services.
• memedi - Mein Medikationsbegleiter App Medication companion app supporting insured members with medication management and adherence.
• keleya App - Digital Pregnancy Companion Digital pregnancy accompaniment app providing guidance and support for expectant mothers as part of the maternity and family services portfolio.
• Digital Health Applications (DiGA) Access to prescribed digital health applications (Digitale Gesundheitsanwendungen) covered under statutory health insurance, enabling digitally-based medical care interventions.
• Photo Service for Electronic Health Card (Lichtbildservice / ePortrait) Digital photo service allowing insured members to upload or capture a photo for their electronic health card (eGK) via the ePortrait web application.
• Online Skin Check (Online-Hautcheck) Remote dermatological screening service providing insured members with online skin assessment and evaluation.
• Bonus Program (Bonusprogramm) Reward program providing insured members with financial bonuses at year-end for healthy behaviors and participation in preventive examinations.
• Wahltarif Selbstbehalt (Self-Deductible Tariff) Optional tariff allowing insured members to receive up to EUR 600 per year back in exchange for a higher deductible, providing cost savings for members with low medical utilization.
• Corporate Health Management (Betriebliches Gesundheitsmanagement / BGM) Employer-facing health management services including workplace wellness programs, occupational health promotion, and consultation for member companies.
• Employer Seminars (Firmenkundenseminare) Educational seminars for employer clients on social security topics including SV contributions, mini/midi-job changes, minimum wage updates, annual income thresholds, and reporting requirements.
• Dental Services with Enhanced Budget Dental care coverage including orthodontics and professional teeth cleaning (PZR), with an enhanced dental budget of EUR 100 per year and EUR 70 annual subsidy for PZR.
• Prevention and Wellness Courses (Aktivwoche, fit for well, Well-Aktiv) Preventive and wellness course offerings including Aktivwoche, fit for well, and Well-Aktiv programs to promote healthy lifestyles among insured members.

Quantifiable outcome

• 34% of all sick days recorded by the health fund in 2021 were due to musculoskeletal disorders, driving the exoskeleton pilot with Diakonie Stiftung Salem
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core and minor.

• Diakonie Stiftung SalemcoreStrategic or Co-development Partner · 16 January 2024The bkk melitta hmr co-funded and scientifically partnered with the Diakonie Stiftung Salem and WohnXperium e.V. on a pilot study testing the long-term use of BionicBack exoskeletons (by Help Tech GmbH) among nursing staff. The study, launched January 2024, followed 15 employees over 50+ workdays. The health fund analyzed that ~34% of all sick days in 2021 were due to musculoskeletal disorders. Based on positive outcomes (back relief, pain reduction, reduced fatigue), 5 exoskeletts were donated to the Diakonie Stiftung Salem in July 2025, with 9 additional individual exoskeletts approved for employees. The partnership continues under BGM (Betriebliches Eingliederungsmanagement).
• WohnXperium e.V.coreStrategic or Co-development PartnerA research association originating from TU Chemnitz, specialized in housing and elderly care solutions, serving as the scientific partner and study lead for the exoskeleton pilot project with bkk melitta hmr and Diakonie Stiftung Salem. Responsible for study design, data collection via daily logs and weekly questionnaires, and outcome analysis.
• DemenzNetz im Kreis Minden-LübbeckeminorStrategic or Co-development PartnerA regional network in the Minden-Lübbecke district working to connect support services for dementia patients and their families. bkk melitta hmr participates in the working group (Arbeitsgemeinschaft) and as a cooperation partner, contributing to early intervention support and societal awareness for dementia.
• Deutscher KinderschutzbundminorStrategic or Co-development PartnerThe German Child Protection Association works to strengthen children's position in society, promote their development, and protect them from discrimination and violence. bkk melitta hmr cooperates with the organization as a regional partner to support these goals, aligned with its identity as a health fund focused on family health.
• BKK BPW Bergische Achsen KG (now merged)coreStrategic or Co-development PartnerFused into bkk melitta hmr on January 1, 2024. Originally founded August 7, 1918 (as BKK of Bergische Achsenfabrik Fr. Kotz & Söhne, Gummersbach). The fusion brought an additional ServiceCenter location in Wiehl and expanded the insured person base.

Scale indicators4 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• BKK firmus: Mid-sized open BKK formed through multiple Kassen mergers and operating across many federal states. Closely comparable as a merger-driven BKK pursuing scale via consolidation while emphasizing regional service.
• Audi BKK: Open Betriebskrankenkasse with employer heritage and national reach, focused on digital services and preventive care. Comparable as a digitally progressive BKK with similar employer-driven DNA and member-acquisition focus.
• BKK ProVita: Open Betriebskrankenkasse with nationwide license and a strong focus on digital health offerings and preventive care. Comparable in business model (statutory contributions + employer-facing services) and in pursuing differentiation via digital/alternative medicine benefits.
• BKK VBU: One of Germany's largest open Betriebskrankenkassen with nationwide enrollment and a similar omnichannel (regional + digital) strategy. Directly comparable as a multi-company BKK competing for the same employer-sponsored and individual member pool.
• BKK24: Open Betriebskrankenkasse in Lower Saxony / NRW region with comparable member scale (~85K range historically). Comparable as a regional BKK leveraging employer partnerships and digital self-service.

Broad incumbents

• IKK classic: Largest Innungskrankenkasse with nationwide license and strong craft/trade sector employer base. Comparable statutory insurer offering ePA, digital portals, and employer-facing services, competing for many of the same regional employer relationships.
• Barmer: Large national statutory insurer (~8.7M members) with broad digital offering and employer services. Competes with bkk melitta hmr for the same employer-sponsored and individual member base, but with materially larger scale and marketing spend.
• DAK-Gesundheit: Major nationwide statutory health fund with strong digital platform and employer services. Comparable in product breadth (ePA, apps, BGM, seminars) but operates at far larger scale, setting the competitive baseline for digital/employer service expectations.
• Techniker Krankenkasse (TK): Germany's largest statutory health insurer with ~11M insured members. Not a direct competitor on regional personalization but competes head-to-head for switching members via digital service and brand — the benchmark for any GKV satisfaction claim.

Regional players

• HEK – Hanseatische Krankenkasse: Ersatzkasse with strong northern German presence. Comparable in scale tier and target member profile (employees and families), competing for open-enrollment switching members across the same federal states.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

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

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 melitta plus