You can easily reach our English customer service team by phone or email:
For letters please use this postal address:
Pronova BKK
67058 Ludwigshafen
You can easily reach our English customer service team by phone or email:
For letters please use this postal address:
Pronova BKK
67058 Ludwigshafen
Approximately 90 % of the population in Germany, approx 70 million citizens in total, are members of statutory health insurance funds (so-called: GKV), providing them with comprehensive and high quality medical care.
Around 620,000 insured persons throughout Germany put their trust in Pronova BKK for matters of health. This is because of the personal commitment and health competence of our employees in around 50 nationwide customer services – which amounts to many years of professional experience!
If you visit us, call or write to us, you can always rely on committed and expert advice – as should be expected from a true ‘health partner’.
Pronova BKK belongs to the largest health insurance companies in Germany and is a modern service provider, with roots dating back to 1815. As such we are one of the oldest and most constant health care insurance companies in Germany.
Excellent companies like BASF, Bayer, Boehringer Ingelheim, Braun-Gillette, Continental, Ford, Georgsmarienhütte, Hapag Lloyd, Johnson Controls, Lanxess, Michelin or Vaillant employ many of our customers.
The relationship between Pronova BKK and these companies is based on a trusting partnership.
As a member of a statutory health insurance fund like Pronova BKK you pay a monthly contribution to the health insurance provider. Up to a certain maximum, the contribution depends on your monthly income. Your employer shares by paying half of the contribution.
Regardless of the contribution paid, gender, age or health status, all members receive medically necessary health care benefits on an equal basis. This principle of solidarity is fundamental to the concept of statutory health insurance in Germany.
If you become ill or have an accident and need treatment from a doctor or in hospital, your health insurance covers the costs.
For some benefits, members of public health insurance have to share in the costs with the so-called co-payments. Children and adults are exempted from all co-payments, apart from transportation expenses.
The health insurance covers prescribed medication.
If you are on sick leave, your employer will continue paying your salary for a period of 6 weeks. You will then receive sickness benefit for a maximum of 18 months from your health insurance.
Public health insurance is compulsory for all employees, whose annual salary is below a certain limit, the so-called “Jahresarbeitsentgeltgrenze”. In principle apprentices / trainees, job seekers, students, pensioners are also subject to compulsory membership with a statutory health insurance.
Self-employed and employees whose annual gross income exceeds the "Jahresarbeitsentgeltgrenze", can become voluntary members of a statutory health insurance, if certain requirements are fulfilled.
Family members
Family members without or rather a low income are covered cost-free.
Children are generally covered up to the age of 18 years or 23 years if they are unemployed or 25 years if they are still pupils or students. Children with disabilities are covered without age limit, if they are unable to earn a living because of their disability.
Students
As a general rule, students from abroad who are enrolled in Germany for studies must be insured in Germany. This does not apply to students from EU countries who are already insured in their home country.
These students can benefit from their European health insurance card. The billing takes place in the home country. The contribution to student health insurance is 150,65 € for people over the age of 23 who have no children. For students under 23 or over 23 if they have at least one child, the monthly contribution is 145,52 €.
In order to be able to carry out the health insurance of the students, we need an application and the current enrolment certificate.
Statutory health insurance pays for health care that is “sufficient, appropriate and economic”. If you are offered benefits that do not meet these requirements, you have to pay for them. These include, for example, single rooms or treatment by senior consultants in hospital.
The most important health care benefits covered by statutory health insurance include:
There is a legal co-payment for some benefits:
In order not to place anybody under financial stress, co-payments are limited to 2 percent of your annual gross income and in case of chronic illness to 1 percent.
Children and adolescents up to the age of 18 years are exempt from most co-payments. If you have paid the annual maximum co-payment, you will be exempt from further co-payments until the end of the calendar year. We recommend collecting the receipts, or using a receipt booklet.
Another form of co-payment could be charged, if you decide to get benefits that exceed the medically necessary providing. For example: If you decide to take special walking boots instead of normal orthopedic shoes, you need to pay the delta cost.
Your personal Pronova BKK card allows you to choose from all approved physicians, dentists and hospitals.
Please always take this card with you, if medical treatment is necessary. Family members receive their own card. For people who are 15 years and older the health insurance card is only valid with a photograph.
You can upload your photograph here.
You are covered in Germany and the countries Germany has a health insurance agreement with. These are the countries of the EU/EWR (Norway, Liechtenstein, Iceland) as well as Switzerland, Bosnia, Macedonia, Montenegro, Serbia, Turkey and Tunisia.
For getting benefits in the EU-/EWR-countries, Switzerland, Macedonia, Montenegro and Serbia, we will provide you with the European Health Insurance Card. It is on the back side of your Pronova BKK card.
If you travel to one of the other countries, please contact us to get a certain certificate, which you must show to a local health insurance to get a referral slip for doctor or hospital.
The coverage in the other countries depends on laws. To get the same or similar benefits as in Germany we always suggest to apply for private travel health insurance. This can be obtained for low money, but be of great use.
If you travel outside Europe, a private travel health insurance is necessary to avoid the risk of paying expensive bills without participation of Pronova BKK. You can find out more about a private travel health insurance here.
How? Digitally, of course! Enjoy unlimited convenience. Our video consultation gives you the freedom to access professional advice flexibly from anywhere. This approach is very easy and also saves upon your valuable time. Simply make an appointment online: You can reach us from Monday till Friday between 8:30 am and 3 pm.
If medical treatment is required, you can choose freely amongst licensed doctors or dentists. If you get ill, please always see a doctor first. Hospitals should only be visited in case of emergency. If you are looking for a doctor or a hospital please contact us. By showing your health insurance card, the costs will be directly settled with Pronova BKK automatically.
Please be aware that private bills cannot be payed. In all cases “except emergencies”, it is recommended calling the doctor and make an appointment.
Public health insurance cover the costs of your dental treatment that for example include check-ups twice a year, removing of teeth plaque once a year, fillings and necessary periodontitis treatment. You have the free choice of dentists getting the treatment with your health insurance card.
Participation in dentures like crowns and bridges with a fixed sum. If you can proof regularly check-ups within the last five or ten years, the participation will be higher.
Prescribed medicines are covered. The colour of the prescription has to be pink, otherwise it is only a recommendation. You will get medicines only in pharmacies. Insured persons aged 18 years and older need to make a co-payment. For more details, please see “Co-payments”.
When hospital treatment is necessary, you will get a referral slip from your doctor. You can choose an approved hospital. Insured persons aged 18 years and older need to make a co-payment. For more details, please see “Co-payments”.
We cover the costs of prescribed remedies such as physiotherapy, ergo therapy. Insured persons aged 18 years and older need to make a co-payment. For more details, please see “Co-payments”.
If your doctor diagnoses chronic lumbar spine pain or chronic pain in one knee joint (gonarthritis), the costs of up to 10 treatments within six weeks are covered, if given by an approved doctor. You will get the treatment with your health insurance card.
Therapeutic appliances like hearing aids, compression stockings, orthopedic shoes, wheelchairs and prosthetics are covered if prescribed. Insured persons aged 18 years and older need to make a co-payment. For more details, please see “Co-payments”.
Our free preventive and early diagnosis measures caringly accompany you and your family through life: Starting with the check-ups during pregnancy and followed by the examinations for babies and children. Women aged 20 and older and men aged 45 and older are entitled to a free cancer check-up every year. Skin cancer check-ups are covered starting at the age of 35 years, every two years.
If orthodontic treatment is medically necessary because malformation of teeth frequently cause substantial functional disorders in the teeth and jaw area it is covered for children up to the age of 18 years for treatment levels 3, 4 and 5. During the treatment, you participate with 20 % of the costs.
However, at the end of a successful treatment (must be confirmed by the dentist or orthodontist) you get a reimbursement, so that 100 % of the treatment is covered.
The costs of psychotherapeutic treatment are covered with recognised methods such as analytical or in-depth psychotherapy and behavioural therapy (in individual or group therapy), if you consult an approved therapist who has a contract with the public health insurance system.
Coverage of all recommended vaccinations for example against diphtheria, whooping cough, polio, measles, mumps, tuberculosis, tetanus, tick-borne encephalitis (in endangered areas).
During pregnancy you are entitled to certain check-ups, premature birth prevention programs, medical care, midwife assistance, inpatient births, birthing houses and more.
In certain circumstances, for example if you need taking insulin but are not able regarding to your health status, your doctor prescribe domiciliary nursing care. That means you can get support from an examined person who comes to your home to do it.
If a disease is so severe that it will lead to death, it is also possible to get support from special examined units comes to your home supporting you.
The insurance of employees usually includes the entitlement for a sickness allowance when on sick leave and if they do not receive a salary. Whilst receiving the sickness allowance they are exempt from paying the health insurance premiums.
If you are an employed person and unable to work, because you have to look after your sick child, you will receive an allowance.
Outpatient or inpatient convalescence and rehabilitation measures, outpatient spa treatments, child and youth convalescence and treatments for mothers / fathers and child are, as a matter of course, included.
Start the chat in no time at all by clicking on the button. By the way: You can also access the chat via the yellow button with the two speech bubbles on every Pronova BKK page.
If you like to participate in health classes preventing diseases, for example a yoga class, Pronova BKK participate in the costs with 80 % (maximum € 150 for 2 classes every year).
We take care of our chronically sick members with special programs. These programs are called Disease Management Programs (DMP). You can register for it, if for example you suffer from diabetes, asthma, COPD (chronically obstructive pulmonary disease). Treatment and care is improved even more by closer cooperation between patient, doctor and hospital.
You deserve to be rewarded for actively looking after your health. That’s why the Pronova BKK Bonus Program rewards you with an attractive bonus for every proven activity.
A whole range of healthy activities count towards your bonus. Been for a check-up? Great! We’ll reward that with €30. Had your teeth professionally cleaned? Excellent, that’s another €30. Find out which preventive measures are eligible and how much the reward for different activities is on our Bonus page.
No proof? No problem! Our app offers lots of options for using the billing data from your doctor for the bonus.
The Sports Bonus: Physical activity has its rewards
It’s always worth being active! Because regular physical activity doesn’t just benefit your health. With us, it benefits your finances too. We reward your activity with an extra €50 bonus. Every year.
Membership of a sports club or gym, for example, is all the proof you need. We also reward participation in certified health courses that promote exercise, relaxation, healthy eating or addiction prevention with an annual €50 Sports Bonus.
Starter Bonus: Another €50
If you are taking part in our bonus program for the first time or if you haven’t participated in any Pronova BKK Bonus Programs in the past five years, we’ll give you an additional €50 Starter Bonus – just like that!
How to get your bonus
Taking part in our Bonus Program is easy. Just record your bonus activities using the app or in a traditional booklet and we’ll credit you your bonus.
Simply download our free app to your smartphone, register and get started. Our smart app makes it quick and easy to record check-ups and photograph and upload proof. Prefer to do things the traditional way? You can get a booklet, which will be confirmed by your doctor / dentist.
By the way: The bonus can be claimed latest until 31st March of the following year.
We do not only cover all recommended vaccinations for Germany but also the recommended vaccinations for traveling abroad in your holidays including malaria prophylaxis. We pay 100 % of the costs of the vaccine and the medical treatment (maximum € 15).
Not many public health insurances cover osteopathy, but it is covered by Pronova BKK. You will get a reimbursement of € 40 per treatment for a maximum of 4 treatments per year. For getting the reimbursement you need a recommendation of a doctor and an examined osteopath (member of professional association of osteopaths or trained osteopath) has to perform the treatment.
Additional check-ups for children: The prevention examinations “so-called U1 to U9 and J1” are always covered. However, Pronova BKK also covers the examinations U10 and J2, which you usually have to pay yourself.
Rooming-in: When a child gets hospitalized, one of the parents can stay overnight at the hospital with the child.
Do you like to have a sports medical examination? Every 2 years we participate in the costs of a basic check-up with 50 % (maximum € 150). Requirements: The doctor is approved and a specialist (Sportmediziner) and you need a confirmation of the doctor that the examination is suited and necessary to prevent cardiac or orthopaedic diseases or to avoid the worsening of such diseases.
With TeleClinic's online video consultation, you can talk to doctors from different specialisms anywhere and at any time in just a few minutes. You can even get your prescription or sick note conveniently via the app.
We have a partner for additional private health insurances. If you would like to include private travel health insurance – which we always recommend if you travel abroad – or more benefits for dentures, like to include glasses or alternative practitioners, a one-bedroom in hospital with treatment by the chief doctor our partner Pronova Privat will offer you a single room additional insurance.
Pronova Privat - Our partner for additional private health insurance or send an e-mail to service@pronovaprivat.de.
Take a look at our brochures and find out more about a healthy lifestyle.