Good reasons for the change
Benefit from a strong range of services and unbureaucratic, straightforward person-to-person service.
Discover all advantages

Welcome to BKK EWE

Company health insurance fund of the EWE Group

At BKK EWE, you benefit from a strong range of services and an unbureaucratic, uncomplicated service from person to person. What's more, with our stable and affordable additional contribution, we are clearly bucking the general trend in health insurance contributions. For your family-insured relatives, our full health protection is even completely free of charge.

Strong performance for your health

  • Variety of high-quality additional benefits over and above the statutory benefits
  • Services exclusively tailored to your wishes and needs
  • Your+Bonus preventive care - reward for your health-conscious behavior
  • three other Ihr+Bonus bonus programs: Osteopathy, Baby and Pregnancy

Discover our services

We are at your side

  • What makes us: Friendliness and competence
  • We act quickly and in your interest
  • Employees of the service telephones are happy to provide information
  • z. e.g. for questions about medicines or second opinions for your child's illness
  • Always available via the online office, convenient and free of charge via homepage or as an app

Get advice

What distinguishes us

  • Bucking the trend with stable and favorable additional contribution
  • Personal and unbureaucratic service
  • High-performance partner in all areas of health and prevention
  • Spouses and family-insured dependents welcome
  • The good care of your loved ones is very important to us

Bank details & company number

Landessparkasse zu Oldenburg
IBAN: DE 60 2805 0100 0091 7041 30

Gläubiger-ID: DE39ZZZ00000456137

Company number: 26515319


Staulinie 16-17
26122 Oldenburg

P.O. Box 5334
26043 Oldenburg

Phone: +49 441 350 28 5101
Fax: +49 441 350 28 5195
Hotline: 0800 1255393 (Free from all German networks)

Contact your contact person

Our opening hours

Mon.-Thurs.: 08:00-16:00
Fri.: 08:00-14:00

If an appointment does not quite fit into our core hours for you, you are also welcome to make an individual appointment with us.

All contact options at a glance

Basic flat rate

Amount of the basic lump sum

In order to pay for the costs of healthcare services provided by doctors, hospitals, pharmacists and all other services, the health insurance funds levy a uniform national contribution rate of 14.6 %. However, the contribution income does not remain with BKK EWE. These are first transferred to the health fund. This fund collects the money from all statutory health insurance funds. In principle, all health insurance funds will receive € 3,432.24 (€ 286.02 per month) per insured person back from the health fund in 2024.

The amount of this so-called basic flat rate is determined in advance for a year by the Federal Social Security Office by dividing the estimated statutory benefit expenditure by the estimated number of insured persons. However, the actual values vary from health insurance fund to health insurance fund, depending on certain calculation factors. The amount allocated to BKK EWE is significantly lower than this amount.

Only 0.9% additional contribution at BKK EWE

If the allocations from the health fund are not sufficient to cover the actual expenses of a health insurance fund, the health insurance funds can levy an additional contribution. At BKK EWE, this amounts to 0.9%, which is below the national average.

Annual Reports

The health insurance funds are obliged to make the annual accountability report on the activities and financial situation available to their insured persons for inspection:

Annual Report 2022

Annual Report 2021

Annual Report 2020

Annual Report 2019


In addition to the constitution of BKK EWE, the articles of association also contain the regulations on membership, contributions and benefits. It also contains the amount of the reserve as well as the regulations of BKK EWE under the Expenditure Compensation Act. Amendments to the Articles of Association are adopted by the Board of Directors and approved by the Lower Saxony Ministry for Social Affairs, Health and Equality as the responsible supervisory authority. These amendments to the Articles of Association are then published and incorporated into the current version of the Articles of Association.

To ensure that you are always up to date, the Articles of Association and the amendments to the Articles of Association are available for download.


Current statutes of the BKK EWE, health insurance

Current statutes of BKK EWE, long-term care insurance

Our online office - available for you 24/7

Whether you need to report sick, change your address or change your bank details - our online office offers you many new services conveniently and free of charge via the homepage or as an app on your smartphone.

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Published on: 22.02.2022 - Last modified on: 09.07.2024


Hotline: 0800 125 53 93
Free of charge from all German networks

Mon.-Thurs.: 8.00-16.00
Fri.: 8.00-14.00

Or write us conveniently via contact form


If you would like to contact us directly, our staff will be happy to assist you:

Continue to the overview of our employees