Join us in the fast lane. Switch to ZF BKK now.

Are you looking for health insurance that fits your lifestyle? Then ZF BKK is the right choice for you. We offer comprehensive benefits, personalized local service, and modern, digital solutions. Take the first step now!

Apply for membership online

Our Top Services

Discover all our services

Health Classes & Trips

Do you actively work to improve your well-being? We’ll support you with up to €200 per year for certified health classes and wellness trips.

Secure a grant

Gentle Healing with Osteopathy

We'll help you regain your balance: We reimburse up to 240 € per year for osteopathic treatments.

Gentle Healing

Health Bonus

Preventive care pays off! People who get regular checkups and lead an active, healthy lifestyle are rewarded with cash bonuses.

Claim Your Bonus Now

Cash Bonus for Retirement Savings

Do you only use preventive care services? If so, take advantage of our optional plan with an annual premium payout.

Elective Plan Premium Payment

Become a Member – Here's How

We'll show you how easy it is to switch to ZF BKK:

Fill out the membership application
You can conveniently fill out the membership application online. Alternatively, a PDF version is available for download.

Go to the online membership application

Go to the membership application (PDF)

Go to the membership application (PDF) - English

We'll take care of it
You will receive your membership certificate right away. Do you have an employer? Please notify your HR department. We’ll handle all other notifications for you.

Welcome to ZF BKK
You are now officially insured with us. Under certain conditions, your family can be covered free of charge.

Learn more about family insurance

Note: In general, anyone can become a member of ZF BKK, with the exception of individuals who live and work in Mecklenburg-Vorpommern or Schleswig-Holstein. Special conditions apply to those with private health insurance. We would be happy to advise you personally.

Photo for Your Health Card

To receive your electronic health card, we need a photo of you. This protects against misuse if the card is lost and helps to uniquely identify you.

Note: Children under 15 years of age receive a card without a photo.

Upload a photo now

30 € for your referral

Are you satisfied with ZF BKK? Then recommend us to others! For every new member—whether family, friends, acquaintances, or coworkers— we’ll give you 30 €.

Recommend us now

With the ZF BKK Service App, you always have your health insurance provider with you—around the clock. Whether you’re applying for reimbursements, updating your personal information, requesting certificates, or submitting applications: everything is simple, secure, and digital.

Der ZF BKK Brand Movie

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