employees
An active life means movement—both professionally and privately. It's good when healthcare keeps pace. With ZF BKK, you are fully covered: with benefits that think ahead, services that take the pressure off, and advice that gets results.
Your advantages with ZF BKK
- On site at our offices or digitally: we are here for you.
- Health courses/trips: We cover 100% of the costs up to €200 per year for two health courses or one certified health trip.
- Travel vaccinations: We contribute up to €250 per year toward recommended vaccinations for travel abroad.
- Homeopathy: 100% coverage of costs for treatment by qualified panel doctors and for consultations at pharmacies.
- Osteopathy: We cover 100% of the costs up to €240 per year.
- Optional premium payment: Receive up to €350 per year back if you do not claim any benefits other than preventive medical checkups.
- Health bonus: You receive a €10 bonus for every preventive measure or healthy activity – with no limit.
Contribution rate – what you need to know
If you are an employee subject to compulsory insurance, you pay health insurance contributions from your gross salary. Half of the contributions are paid by you and half by your employer.
If you are voluntarily insured – for example, because your income exceeds the annual income limit – only the income up to the contribution assessment ceiling is subject to contributions.
An overview of current contribution rates and assessment thresholds can be found here: Contribution rates & assessment thresholds | Contributions for employees
Frequently asked questions
As an employee, you can choose between private and statutory health insurance (KV), depending on your income. ZF BKK also offers you a comprehensive range of benefits and services as part of voluntary membership.
A comparison will help you decide: Which solution offers long-term security, fair premiums, and reliable service? Our overview shows the most important differences at a glance.
| Selected benefits in comparison | Statutory health insurance | Private health insurance |
| Are premiums calculated based on income, meaning that lower incomes also pay lower premiums? (Premiums in statutory health insurance are calculated based on the maximum contribution assessment ceiling) | Yes | No |
| Can a risk surcharge or benefit exclusion be required at the start of insurance? | No | Yes |
| Are family members covered by family insurance without paying an additional premium? (Spouses or partners in registered civil partnerships and children who live in Germany, are not themselves insured or exempt from insurance, and are not gainfully employed or are only marginally gainfully employed. | Yes | No |
| Is the full health insurance contribution still payable while receiving sick pay, maternity pay, and child-raising allowance? (Sick pay: whether sick pay is included in the insurance cover is determined by our current statutes. Maternity pay and child-raising allowance: voluntarily insured persons only if family insurance would be possible.) | No | Yes |
| Do older people have to pay a higher contribution when they take out insurance? | No | Yes |
| Are there generally waiting periods for benefit entitlements? | No | Yes |
| Do insured persons have a say in contributions, benefits, and management in all cases? | Yes | No |
| Is maternity pay provided? | Yes | No |
| Is sick pay paid if a child is ill? | Yes | No |
| In the event of a dispute, can the less expensive option of taking the case to the social court be pursued? | Yes | No |
Do you need more information to help you decide on your future insurance coverage? Then request our brochure "Privately insured? Better BKK!"
If you take up employment that is subject to social insurance contributions, you must register with a statutory health insurance fund. Any previous family or private insurance will automatically end. ZF BKK will issue you with a membership certificate, which must be submitted to your employer no later than two weeks after you start work.
