Employees
An active life brings movement - both professionally and privately. It's good when your healthcare keeps pace. With ZF BKK, you are fully covered: with benefits that think along with you, services that take the strain off you and advice that gets through.
Your benefits with ZF BKK
- On site at our branches or digitally: we are there 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 towards recommended vaccinations for abroad.
- Homeopathy: 100% cost coverage for treatment by qualified statutory health insurance physicians and for advice from pharmacies
- Osteopathy: We cover 100% of the costs up to €240 per year.
- Optional tariff premium payment: Get up to €350 a year back if you do not make use of any other services apart from preventive check-ups.
- Health bonus: For every preventive measure or healthy activity, there is a €10 bonus -without limit.
Contribution rate - what you should know
If you are an employee subject to compulsory insurance, you pay health insurance contributions from your gross pay. You and your employer pay half of the contributions.
If you are voluntarily insured - for example, because your income is above the annual income threshold - only the income up to the income threshold is subject to contributions.
You can find an overview of current contribution rates and assessment limits here: Contribution rates & assessment limits | Contributions for employees
Frequently asked questions
As an employee, you can choose between private and statutory health insurance, 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.
| A comparison of selected benefits | Statutory health insurance | private health insurance |
| Are the contributions calculated according to income, i.e. is a lower contribution payable for lower income? (Contributions in statutory health insurance are calculated based on the maximum income threshold) | Yes | no |
| Can a risk surcharge or exclusion of benefits be demanded at the start of insurance? | no | Yes |
| Are family members insured without an additional premium? (Spouses or life partners in registered partnerships and children who live in Germany, are not insured themselves or are exempt from insurance and are not or only marginally employed). | Yes | no |
| Do you have to continue to pay the full health insurance contribution while receiving sickness benefit, maternity benefit and child-raising allowance? (Sickness benefit: whether sickness benefit is included in the insurance cover depends on our current statutes. Maternity benefit and child-raising allowance: voluntarily insured persons only if family insurance would be possible). | no | Yes |
| Do older people have to pay a higher premium at the start of insurance? | no | yes |
| Are there generally waiting periods for entitlement to benefits? | no | yes |
| Is the co-determination of the insured persons with regard to contributions, benefits and management ensured in all cases? | yes yes | no |
| Is maternity benefit paid? | yes no | no |
| Is sickness benefit paid if a child falls ill? | yes no | no |
| In the event of a dispute, can the low-cost legal action be taken via the social court? | yes no | no |
Do you need more information to help you decide on your future insurance cover? Then request our brochure "Privately insured? Better BKK!".
If you take up employment subject to compulsory insurance, you must register with a statutory health insurance fund. Any previous family or private insurance ends automatically. The 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.
