Membership of BMW BKK covers health insurance and nursing care insurance.

The employee contribution rate for health and nursing care insurance is income-related and does not exceed 372,49 Euro for health insurance and 85,87 Euro for nursing care insurance.

Your spouse and children are included in your BMW BKK insurance if they are also resident in Germany, do not have their own health insurance (e.g. in connection with their own employment) and their monthly income does not exceed 485 Euro. For marginal employment the monthly income limit is a total of 520 Euro.  

Children are included in health insurance up to the age of 18. This is extended to age 25 as long as a child is still in training or university education. Please be sure to consult BMW BKK if your child is under 18.

BMW BKK must be informed in writing of any family members to be included in health insurance: please use the back of the membership application form for this purpose.

At the start of the insurance, all those insured receive a healthcare card issued by BMW BKK. Please show this card at every appointment with the doctor or dentist. Accounts are settled directly between the doctor/dentist and BMW BKK. You can use all registered and authorised doctors or dentists.

You will not generally be invoiced for treatment. The only costs you are required to cover are statutory contributions and supplementary payments (e.g. for pharmaceuticals, medication, hospital stays). The doctor will prescribe any medication you may require in the event of illness. Take this prescription to the chemist’s and you will receive your medication there.

BMW BKK health insurance cover is valid in other European countries with which Germany has concluded a social security agreement. Please contact BMW BKK to find out which countries this applies to.