In the fast lane with us. Switch to ZF BKK now.

Are you looking for a health insurance company that suits your life? Then ZF BKK is the right place for you. We offer strong benefits, personal service on site and modern, digital solutions. Take the first step now!

Our TOP services

Discover all services

Health courses & trips

Are you actively committed to your well-being? We will support you with up to €200 per year for certified health courses and health trips.

Secure a subsidy

Gentle healing with osteopathy

We'll bring you back into balance: we reimburse up to €240 per year for osteopathic treatments.

Gentle healing

Health bonus

Prevention pays off! Those who go for regular check-ups and are active and healthy are rewarded with cash bonuses.

Dust off your bonus now

Cash premium for pension provision

Do you only use preventive services? Then benefit from our optional tariff with annual premium payment.

Optional tariff premium payment

How to become a member

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

Fill out membership declaration
Complete the declaration of membership conveniently online. Alternatively, you can download a PDF version.

To the membership declaration

We will take care of it
You will receive your membership certificate immediately. Do you have an employer? Please inform your personnel department. We will take care of all other notifications for you.

Welcome to ZF BKK
You are now officially insured with us. Your family can be insured free of charge under certain conditions.

More about family insurance

Note: In principle, anyone can become a member of ZF BKK, with the exception of people who live and work in Mecklenburg-Vorpommern or Schleswig-Holstein. Special conditions apply for privately insured persons. We will be happy to advise you personally.

Photo for your health card

In order for you to receive your electronic health card, we need a photo of you. This protects against misuse in the event of loss and helps to clearly identify you.

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

Upload photo now

25 € for your recommendation

Are you satisfied with ZF BKK? Then recommend us to others! For every new member - whether a colleague, friend or family member - we'll give you €25.

Recommend now

With the ZF BKK Service App, you always have your health insurance with you - around the clock. Whether applying for reimbursements, changing personal data, requesting certificates or submitting applications: Everything is simple, secure and digital.

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Contribution rates and assessment limits