Your bridge to health and security: German health insurance made easy

Unlock your new health insurance today: Comprehensive coverage tailored for you and your family in germany.
Alexander Demertzidis

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Service brochure BKK WF - Click to open

Becoming a member at the BKK Wirtschaft & Finanzen (BKK W&F)

It just takes three easy steps. There’s absolutely no risk, and your previous medical history is not a concern. We’ve made all the necessary preparations for you. Let’s get started!

  • Submission of the Application Form

    You can easily fill out our application form online, or if you prefer, print it and mail it to us. If you need assistance in filling out the form, we’re more than willing to help over the phone – just call our toll-free service number.

  • Document Review and Membership Confirmation

    Once we receive your documents, we will promptly review them and confirm your membership in writing.

  • Receiving and Using Your Health Insurance Card

    Upon receiving your photograph, we will issue your electronic health insurance card. With this card, you can immediately access a doctor, receive vaccinations, and utilize all other services we offer.

Insurance without compromises

BKK W&F offers tailored health insurance solutions for professionals. Experience the difference with unmatched coverage, accessibility and personal support.

Exclusively tailored health insurance for professionals

Experience health insurance designed with the specific needs of auditing and consulting professionals in mind. From routine check-ups to specialized treatments, enjoy comprehensive coverage that ensures your health and wellness are always prioritized.

Seamless Healthcare Across Germany

Wherever your career takes you within Germany, stay assured of seamless access to quality healthcare. With our wide network in multiple federal states, your health insurance coverage travels with you, ensuring peace of mind at all times.

Dedicated Support Just a Call Away

Your health is our top priority, which is why we offer more than just insurance. Get personalized support from our team of experts who are ready to assist you with any questions or needs. Plus, benefit from our health management programs designed to keep you at your best.


Insurance comparison

Comparing statutory and private health insurance

  • Family friendly
    Gesetzliche Krankenversicherung – GKV

    monthly income under 5.775 €

    • Solidarity principle: Each insured individual contributes the same percentage of their income as a premium.
    • Family members without their own income are covered at no cost and are entitled to the same benefits as the earning members.
    • Profit-making is not allowed.
  • Private Krankenversicherung – PKV

    monthly income above 5.775 €

    • The premiums for private health insurance are determined based on factors such as your health condition, age, and the specific insurance plan you choose.
    • Additionally, private insurers may impose a risk premium or even refuse coverage based on your health status. Unlike in the public healthcare system, where fees are regulated by the government, private health insurance premiums are set by the insurers themselves.
    • Services can be tailored to individual policyholders, but each insured individual typically incurs a separate fee. Unlike the statutory system, where one fee covers the entire family, private health insurance requires separate fees for each family member.