Commercial Health Insurance Fund

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Commercial Health Insurance Fund
logo
social insurance statutory health insurance
Cash register type Substitute Fund
legal form Public corporation
founding January 1, 2008
Jurisdiction GermanyGermany Germany
Seat Bremen
Board Michael Lempe
Board of Directors Roland Schultze
Supervisory authority Federal Social Security Office
Insured over 700,000
(2020)
Budget volume 1.6 billion euros (2018)
Offices 23
Employee approx. 1000 (October 2019)
Website www.hkk.de

The Handelskrankenkasse ( hkk for short , self- spelling hkk Krankenkasse ) is a nationwide open German health insurance company from the group of substitute funds . It is responsible for statutory health insurance and a member of the Association of Substitute Funds (vdek). The history of the health insurance company, which emerged from a voluntary association in 2008, dates back to 1904.

history

Former logo (2008-2014)
A health insurance certificate from around 1992

The health insurance was founded under the name Handelskrankenkasse on January 1, 1904 in Bremen by shopkeepers, representatives of the Chamber of Commerce and commercial employees as a registered auxiliary fund and was later also referred to with the abbreviation hkk . In 1906 she joined the Association of Commercial Health Insurance Companies in Germany, based in Barmen , which was renamed the Association of Employee Health Insurance Funds (VdAK, today vdek) in 1936 . The commercial health insurance fund was purely an employee health insurance fund, so that only employees and apprentices in commercial professions were accepted. At the beginning of the 1990s, the Handelskrankenkasse was, according to its own statements, the lowest contribution of all employee replacement funds in Germany.

The incorporation of the Weser-Ems guild health insurance fund resulted in a merged health insurance company with the new name hkk on January 1, 2008 . Since July 1, 2014, the official name of the articles of association is again Handelskrankenkasse (hkk) .

Finances

In 2019, over 1000 employees looked after a budget volume of around 1.6 billion euros in health insurance and around 400 million euros in long-term care insurance.

The Handelskrankenkasse never had to raise an additional contribution independent of income . Since January 1, 2015, it has levied an income-related additional contribution of 0.40 percent of the contributory income, which rose to 0.59 percent on January 1, 2016 and has decreased to 0.39 percent since January 1, 2019.

Structure and size

House of the commercial health insurance fund , head office

The hkk, headquartered in Bremen, is one of the 20 largest nationwide open health insurance companies with around 700,000 insured persons - including around 530,000 contributing members. At the same time, it is the largest substitute fund in northwest Germany.

The Handelskrankenkasse operates 23 branches in Lower Saxony, Bremen, North Rhine-Westphalia and Hamburg. In addition, general advisory services are provided in around 2100 service points of the Agricultural Insurance Association of Münster, LVM (cooperation partner for private supplementary health insurance ) nationwide . In some branches, the advisory facilities of the Handelskrankenkasse and LVM are in the immediate vicinity.

On July 1, 1981, the health insurance company acquired the house of the commercial health insurance fund , which the German steamship company "Hansa" built in 1915 as an office building and which was destroyed by the war and rebuilt by 1953.

Insured development

year Number of insured
1990 approx. 100,000
2003 167.103
2007 181,000 (Dec. 31)
2008 311.429 (01.01.) *
2010 325,511
2015 397.624
2016 485,892
2017 553.056
2018 600,373
2019 647.058

* 2008: Merger with the IKK Weser-Ems

organs

The board consists of a full-time sole board member. Since January 2000 this is Michael Lempe. Lutz Trey has been a representative of the Executive Board since 2010 .

The composition of the board of directors as the self-governing body of the hkk is decided every six years in a social election . Since 2017, it has consisted of 18 people, each with nine representatives from the insured and the employer. Previously it consisted of twelve representatives each.

literature

Web links

Commons : Handelskrankenkasse  - Collection of images, videos and audio files

Individual evidence

  1. ↑ a b c Articles of Association of January 1, 2008 in the version of the 55th amendment. Handelskrankenkasse, as of January 1, 2019, accessed on October 23, 2019 (PDF).
  2. ↑ a b c d About the hkk . In: hkk.de , accessed on June 9, 2020.
  3. ↑ Statutes of the hkk from January 1, 2008 ( Memento of the original from March 1, 2010 in the Internet Archive ) Info: The archive link was inserted automatically and has not yet been checked. Please check the original and archive link according to the instructions and then remove this notice. @1@ 2Template: Webachiv / IABot / www.hkk.de
  4. ↑ Entry table 2015
  5. ↑ Entry table 2016
  6. ↑ Price-performance advantage - hkk. Retrieved October 17, 2019 .
  7. ^ Annual report 2003
  8. ↑ Annual report 2007
  9. ↑ Annual report 2010
  10. ↑ Annual Report 2015
  11. ↑ Annual report 2016
  12. ↑ Annual report 2017
  13. ↑ Annual Report 2018
  14. ↑ Annual Report 2019
  15. ↑ Board of Directors . hkk website, accessed January 3, 2017.

Coordinates: 53 ° 4 ′ 33.8 "  N , 8 ° 48 ′ 12.9"  E