Your bridge to health and security: German health insurance made easy
Our service brochure with highlights and more info
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.
Insurance comparison
Comparing statutory and private health insurance
- Family friendlyGesetzliche 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.
