Frequently asked questions

The general contribution rate for those with statutory health insurance is 14,60 percent. In addition, there is the supplementary contribution rate specific to BKK W&F. Since January 1, 2025, this amounts to 3,99 percent.

For employees, both contribution rates are borne equally by the employer and the employee. The insured person’s share of the additional contribution is therefore 1,995 percent for employees. This also applies when drawing a statutory pension.

Did you know?

To ensure that a low income structure of members does not lead to disadvantages, there is full income equalization when calculating the income from the supplementary contribution.

The BKK W&F’s supplementary premium rate is therefore not based on the above-average income of our members, but on the average income of all members of statutory health insurance plans. Payments from our members that exceed the average do not benefit BKK W&F; instead, they are automatically forwarded to health insurance funds with below-average income levels—even if this allows health insurance funds with weaker financial structures to gain advantages in the form of lower premiums.

Each statutory health insurance fund therefore calculates the amount of the supplementary contribution in such a way that the expenditure of its own members is covered on the basis of the average income of all those with statutory health insurance. The supplementary contribution is therefore only individual to each health insurance fund in terms of expenditure.

Yes, all contributions for statutory health insurance are applied. This also includes the supplementary contribution.

If you pay less for health insurance by switching, you will also have to pay more tax on your gross salary. This eats up a small part of the hoped-for savings. A comparison of benefits is therefore more worthwhile than ever.

Yes, the employer pays half of the additional contribution (borne solely by the member until 2018). This also applies to statutory pension insurance pensions.

For some groups of people, the average supplementary contribution rate set by the Federal Ministry of Health applies instead of the supplementary contribution rate of their own health insurance fund. This applies to insured persons whose contributions are paid by third parties, for example recipients of unemployment benefit II. The amount of the supplementary contribution is also irrelevant for recipients of unemployment benefit I. In this case, the employment agency pays the contribution regardless of the amount of the health insurance company’s supplementary contribution. You can find more information on this under the heading OTHER OBLIGATORY INSURANCE.

Yes. This is because not every health insurance fund consistently utilizes the legally permissible scope for additional benefits via individual statutes as thoroughly and without loopholes through limited global budgets as the BKK W&F. BKK W&F is ideal for anyone looking for the best overall package of additional benefits throughout all stages of life.

Yes. The additional benefits of the BKK W&F are also immediately available to new customers. We have deliberately dispensed with the limitations that are widespread among other health insurance companies, such as joint upper reimbursement limits for several benefit areas, maximum reimbursement amounts per family and discounts for new customers, in order to make our offers as comprehensible as possible.

What conditions are attached to the payment of the bonus?

The documentation must be verified by the service provider (e.g., a doctor) on the BKK Bonus Statement; self-certifications are not sufficient. In addition, the Bonus Statement must be received by us by March 31 of the following year. Members whose benefit entitlements are suspended are not eligible to participate in the bonus program.

What Bonuses are Available in the BKK W&F Bonus Program for Adults?

Adults in both bonus levels receive a bonus of 20 euros per proven requirement. You can find out more at https://www.bkk-wf.de/leistungen/bonusprogramm-erwachsene/.

What Bonuses are Available in the BKK W&F Bonus Program for Children and Adolescents?

Children are also eligible for a 20-euro bonus, provided they meet the specified requirements. For more information, visit https://www.bkk-wf.de/leistungen/bonusprogramm-kinder-jugendliche/.

What Bonuses are Available in the BKK W&F Bonus Program for Newborns?

One-off 50 euros for complete participation in the U1 to U6 examinations or complete vaccination protection recommended by the Standing Committee on Vaccination (STIKO). If both certificates are provided, the bonus adds up to 100 euros.

How long does it take to process bonus applications?

The volume of bonus booklets is traditionally very high around the turn of the year. In order to ensure the fastest possible processing, we kindly ask you to refrain from inquiring about the current processing status during this time. Thank you for your understanding.

How much is the reimbursement for professional teeth cleaning?

BKK W&F reimburses insured persons aged 18 and over for the costs of professional dental cleanings at the dentist of their choice as part of the additional benefits budget for teeth up to an amount of 60 euros per calendar year.

What are the requirements for reimbursement of professional dental cleaning?

The amount has not yet been exhausted by the alternative additional services that are also possible within the budget (higher-quality dental fillings or anesthesia services). The original invoices must also be submitted by 31.3. of the following year.

Can a child also be reimbursed for professional dental cleaning?

If a child insured with BKK W&F is undergoing orthodontic treatment, we will reimburse up to 60 euros for professional teeth cleaning by a dentist (not an orthodontist) as a supplementary benefit, even if the child is under 18 years of age. In addition, we also contribute to the costs of fissure sealing of your child’s caries-free premolars within the same budget. Please contact us in advance to find out the specific requirements.

Can I have my teeth professionally cleaned free of charge?

Participants in the DentNet integrated care contract receive one free dental cleaning per year in a DentNet practice. All they have to do is sign a declaration of participation for the upcoming treatment. You can obtain further information at www.dentnet.de or by calling the free service number 0800 46393360.

What costs does BKK W&F cover for osteopathic treatments?

As a special additional benefit, BKK W&F reimburses up to 360 euros annually, with no percentage limit or limit per session on the invoice amount.

For the subsidy to be paid out, it is important that the osteopathic treatment was medically prescribed before treatment began and that the sessions are performed by doctors, physical therapists, or alternative practitioners who are members of a professional association of osteopaths or have completed training that qualifies them for membership in such an association. Reimbursement documents must be received by March 31 of the following year at the latest.

You can find qualified osteopaths near you here: https://www.bkk-wf.de/leistungen/osteopathie/

Can children also receive osteopathic treatment?

Insured children are also eligible for osteopathic treatment.

For the subsidy to be paid out, it is important that the osteopathic treatment was medically prescribed before treatment began and that the sessions are conducted by doctors, physical therapists, or alternative practitioners who are members of a professional association of osteopaths or have completed training that qualifies them for membership in such an association.

You can find refundable offers in the course database of the Central Prevention Testing Center.

We provide you with 600 euros per year for health courses from the database. We will reimburse the costs of a maximum of two courses from this budget. The prerequisite is that you have attended at least 80 percent of the units offered. If you would like to apply for a subsidy, please send us the certificate of attendance issued by the provider at the end of the course.

To ensure that the reimbursement of additional benefits from your BKK W&F functions as smoothly as possible, numerous forms are available for you under Downloads, in which the necessary information and documents are requested. The reimbursement documents must be received by March 31 of the following year at the latest. Tip: Use your access to the BKK online branch for uncomplicated transmission. Here you will also find a steadily increasing number of online applications. For example, participation in the bonus program is now completely digitally possible, and health courses, for example, can already be applied for online.

Yes, the so-called “stripping” (removal) of varicose veins is covered under statutory health insurance. Under a special care agreement, BKK WF offers you the option of having this varicose vein surgery performed using “minimally invasive” methods—such as radiofrequency or laser—which are less taxing on the body.

If you have not yet created an electronic patient file (ePA), you will need to register again.

Setting up access with the smartphone

1. Download the app
   To set up access to the OGS, users of a mobile device must first download the “Meine BKK W&F OGS” app from the stores of Google and Apple stores.
2. Registration at
   – Click “Let’s get started” to create your user account: To do this, you’ll need your insurance number, the last 6 digits of your identification number (on the back of your health insurance card), and your ZIP code
   – Accept the privacy policy and consent forms for your user account
   – Verify your email address: You’ll receive an email with an activation link, which you’ll need to confirm
   – Set your app code: Choose any 6-digit app code you like and confirm it. This will activate your device.
3. Identification
   You have the following options for secure identification by creating a digital identity (“health ID”):
   – Health card (NFC-eGK + PIN)
   – ID card (online ID = eID + PIN via Nect)
   – POSTIDENT (at a post office):
   – Activation code (handed out at our branches, we identify you on the basis of your ID card and health card)
4. Log in
   You can choose between setting up a login with an app code or biometrics (can also be changed later in the settings).
   

To log in, insured individuals can use their existing login credentials for the “Meine BKK W&F ePA” app (electronic patient record), since both systems use the same identity and access management (IAM) system.

To switch to the login area of another member, please use the menu item “Forgot password”, the original login window will then open.

When you are logged in, the menu for switching to co-insured family members opens by clicking on the first letter of your first name, which appears in the upper-right corner.
Note: For data protection reasons, spouses covered under family insurance are not currently displayed.

If you have forgotten your app code, please contact our customer management team. We can unblock the app if you subsequently remember the code that we cannot see.

If you can’t remember the code, we can send your

• Delete user account completely or
• Delete the device binding

Important: in both cases a new identification is necessary.

iOS & Android app currently offer the following functionalities:

• Manage your own master data
• Apply for a health card
• Send and receive messages and documents to the BKK W&F
• Submit bonus program
• Generate certificates, for example an electronic replacement certificate (eeb) for presentation in surgeries in the event of defective or lost health cards
• Submit applications
• Manage health data (allergies, illnesses)
• Create a medication plan
• Individual pension planner

You will find the following modules in the web version:

• Manage your own master data (view only, changes only with 2-factor authentication via app)
• Send and receive messages and documents to the BKK W&F
• Making certain applications
• Download certain certificates

Note: Registration in the web version is not possible for security reasons. Registration in one of our apps is therefore also necessary if you only want to use the web version afterwards.

In these cases, there are two options whereby a so-called “electronic replacement certificate” is sent directly to the doctor’s office:

1. If the so-called practice’s KIM address is known (usually available as a QR code at registration), insured persons can scan this code via the BKK app of the online branch (OGS) (section “My BKK W&F”, tile “Certificates”).
   The insured person’s data will then be sent electronically from BKK W&F to the practice automatically and within a few minutes.
   This offer is mandatory (this obligation does not yet apply to dentists).
2. The practice can also request an electronic replacement certificate without an app via its own practice management software. However, the consent of the insured person must be documented separately.
   Practices can offer this service voluntarily.

All statutory health insurance providers are required to offer their insured members a digital identity (sometimes referred to as a “Health ID”) for the secure use of digital services. This digital identity is intended to enable insured members to log in to all non-insurer-specific digital health applications, such as the e-prescription app, in the future.

Little will change for BKK W&F members, as this legal requirement has long been standard for BKK W&F apps, and it is also possible to log in to the e-prescription app, which is uniform for all health insurance funds.

BKK W&F already offers these services using the identical digital identity:

BKK W&F OGS – The online branch for BKK W&F members

BKK W&F ePA – The electronic patient record for BKK W&F members

The easy way to get a digital identity: Just sign up in the BKK W&F OGS or BKK W&F ePA apps—that’s it!

You can easily upload a (new) photograph via the BKK online branch or in the Health Card section.

When using optional applications, insured individuals can decide for themselves whether—and which—medical data should be stored using the health card’s access key. No one can access this confidential data without consent. A personal identification number (PIN) is required for this. This secret number makes the card the insured individual’s personal key. Similarly, dentists and doctors, as well as psychotherapists, receive their own card, known as the “Heilberufsausweis” (Healthcare Professional ID Card). The data can only be decrypted and read once the health card and the healthcare professional ID card are inserted in the card reader and both sides have identified themselves with their respective personal identification number (PIN). Important:

• No PIN is required for everyday use at doctor’s appointments or for reading out emergency data, even after the card has been issued.
• Each health card is provided with its own PIN. If you receive a new card, an existing PIN is therefore worthless. So that you can assign a PIN to the only valid health card, we will also provide you with a card identification number in the letter accompanying the PIN. This identification number can be found on the back of the card.

Prior secure identification is required to use many voluntary applications by entering a PIN. The Nect Robo-Ident procedure offers a convenient way to check the eID of your ID card.

The following procedures are also available to you:

• Personal visit to one of our branches (we identify you)
• Postident at home (upon request from the BKK W&F, a postman will visit you at home and identify you)

For all procedures, please have your eGK and ID card ready. After successful identification, you will automatically receive a PIN from us via Deutsche Post.

Most smartphones and tablets now have an NFC interface. This allows you to access your health card “contactlessly”. With the introduction of the electronic patient file, the first real application is available that can be opened securely from a smartphone or tablet using a card and PIN.

In these cases, there are two options whereby a so-called “electronic replacement certificate” is sent directly to the doctor’s office:

1. If the so-called practice’s KIM address is known (usually available as a QR code at registration), insured persons can scan this code via the BKK app of the online branch (OGS) (section “My BKK W&F”, tile “Certificates”).
   The insured person’s data will then be sent electronically from BKK W&F to the practice automatically and within a few minutes.
   This offer is mandatory (this obligation does not yet apply to dentists).
2. The practice can also request an electronic replacement certificate without an app via its own practice management software. However, the consent of the insured person must be documented separately.
   Practices can offer this service voluntarily.

The electronic exchange of health data is subject to many legal requirements. These include, among other things, unambiguous identification of the sender. This applies in particular if master data is to be changed or payments recorded. This is not usually the case with emails.

Therefore , please use our online office if you would like to provide us with the relevant documents. If, for legal reasons, we need the original documents or if we need to retain them for a certain period of time for review purposes, we will contact you promptly. In that case, please feel free to use our postage-free prepaid return envelope .

The GKV-Spitzenverband has the legally defined responsibility to establish guidelines for secure communication between health insurance providers and their insured individuals. Specifically, the guideline pursuant to Section 217f of the Fifth Social Code (SGB V) and its annex sets forth concrete measures to protect insured persons’ social data from unauthorized access, which health insurance companies must observe when contacting insured persons. These provisions were coordinated in advance with both the Federal Commissioner for Data Protection (BfDI) and the Federal Office for Information Security (BSI) and approved by the Federal Ministry of Health.

Accordingly, the mailing address is subject to the same high level of protection as the actual health data, since it serves as the central collection point for all types of mail.

The key messages in detail:

• If the address of the authorized party is changed, a “high” level of protection with regard to integrity must be assumed, as this is also used for the provision of data with a “high” level of protection.
• A […] high level of protection can only be achieved through unambiguous authentication of the authorized party.

Therefore, please do not send your personal data to us by e-mail. We also ask for your understanding that we do not change personal data even after receiving information by telephone.

If your personal data has changed, please let us know by post (with signature) or online via the BKKonline office (OGS). Thank you very much.

All statutory health insurance funds are obliged to check the insurance status of family members insured free of charge on an annual basis. The health insurance funds will only receive money for their care from the health fund if the relevant evidence is complete.

Conversely, any period of insurance for which no completed questionnaire has been returned is struck from the records by the regulatory authority. As a result, valuable premium payments are lost.

We are therefore also dependent on your support: If you receive a questionnaire, please fill it out and send it back to us.

Yes, the collection of data is necessary for the fulfillment of our tasks. You can find more information in the Services section.

In these cases, there are two options whereby a so-called “electronic replacement certificate” is sent directly to the doctor’s office:

1. If the so-called practice’s KIM address is known (usually available as a QR code at registration), insured persons can scan this code via the BKK app of the online branch (OGS) (section “My BKK W&F”, tile “Certificates”).
   The insured person’s data will then be sent electronically from BKK W&F to the practice automatically and within a few minutes.
   This offer is mandatory (this obligation does not yet apply to dentists).
2. The practice can also request an electronic replacement certificate without an app via its own practice management software. However, the consent of the insured person must be documented separately.
   Practices can offer this service voluntarily.

BKK WIRTSCHAFT & FINANZEN (BKK W&F) was founded in 1999 as the company-based health insurance fund of a renowned auditing firm. Since 2007, it has been a statutory health insurance provider available to anyone in many federal states. Unfortunately, only individuals who reside in Schleswig-Holstein, Thuringia, Saxony-Anhalt, or Mecklenburg-Western Pomerania at the time they apply for membership—and who do not work in another federal state—are eligible to become members of BKK W&F.

The headquarters are located in Melsungen, in northern Hesse. BKK W&F also has a branch in neighboring Kassel, which is also open to the public.

A merger is not part of the company’s history, so the growth to date has largely resulted from recommendations from family, friends and acquaintances.

The company number of the BKK W&F is 469 676 93.

The institution codes of the BKK W&F are 105 734 543 (West) and 105 792 123 (East).

The institution code of the nursing care insurance fund is 185 734 543 (West) or 185 792 123 (East).

The bank details of the BKK W&F can also be found by insured persons in the section for employers.