Health insurance in Germany is a crucial aspect of its healthcare system, offering a blend of public and private coverage options. The industry comprises various entities including large corporate insurers, regional mutuals, and specialized startups. These companies typically provide a range of services, from comprehensive health policies to niche products like travel medical insurance. Increasing digitalization is reshaping the market; more insurers focus on online platforms, emphasizing customer accessibility. Growing demand for personalized health solutions and alternative therapies reflects changing consumer preferences. Innovation and regulatory adaptations are crucial as the sector evolves.

The companies listed here represent a mix of sizes and specializations in Germany's health insurance sector. They range from large corporations like ERGO Group AG, with over 10,000 employees, to smaller firms like vigo Krankenversicherung, which employs around 21. Established from the early 20th century, many of these organizations started as mutual insurance models. Today, all focus on various health products, including private and supplemental health insurance. Their headquarters are primarily located in North Rhine-Westphalia and other key regions in Germany, highlighting the concentration of the industry in certain locations.

Continue reading to learn about the top health insurance companies in Germany.

Top 19 Health Insurance Companies in Germany

1. ERGO Group AG

• Website: ergo.com
• Ownership type: Corporate
• Headquarters: Bergisch Gladbach, North Rhine-Westphalia, Germany
• Employee distribution: Germany 92%, Other 8%
• Latest funding: October 2018
• Founded year: 1997
• Headcount: 10001+
• LinkedIn: ergo-group-ag

ERGO Group AG, based in Bergisch Gladbach, North Rhine-Westphalia, Germany, is a corporate insurance entity founded in 1997. The company offers a wide array of insurance products, prominently featuring health and legal expenses insurance. With a workforce exceeding 10,000 employees, ERGO operates in more than 20 countries, focusing primarily on core markets in Europe and Asia. The company plays a crucial role in helping individuals and businesses navigate financial risks related to health and legal matters. ERGO is also involved in various initiatives aimed at promoting health and well-being, showcasing its commitment to the insurance industry and its customers.

2. Barmenia Versicherungen

• Website: barmenia.de
• Ownership type: Private
• Headquarters: Wuppertal, North Rhine-Westphalia, Germany
• Employee distribution: Germany 100%
• Founded year: 1904
• Headcount: 1001-5000
• LinkedIn: barmenia-versicherungen

Barmenia Versicherungen, based in Wuppertal, North Rhine-Westphalia, Germany, is a private insurance company that has been operational since 1904. The firm specializes in a wide array of insurance products, with a significant focus on health insurance. Their offerings include private health insurance, supplementary health insurance, long-term care insurance, and accident insurance, catering to both individual consumers and specific professional groups, such as civil servants. Barmenia emphasizes customer service, providing various channels for support and consultation. They also promote health services and wellness programs, demonstrating a commitment to the well-being of their clients. As part of the BarmeniaGothaer group, they benefit from collaborative synergies that enhance their service delivery and product offerings. Barmenia's long history and focused approach to health insurance underscore their relevance in the industry.

3. Continentale Versicherung

• Website: continentale.de
• Ownership type: Private
• Headquarters: Dortmund, North Rhine-Westphalia, Germany
• Employee distribution: Germany 100%
• Founded year: 1926
• Headcount: 1001-5000
• LinkedIn: continentale-versicherung

Continentale Versicherung, officially known as Continentale Krankenversicherung a.G., is an insurance company based in Dortmund, North Rhine-Westphalia, Germany. Established in 1926, it has built a reputation for offering a wide range of insurance products, with a strong emphasis on health insurance. The company provides private health insurance, supplementary health insurance, and dental insurance, catering to both individual consumers and small to medium-sized enterprises. Continentale Versicherung prides itself on delivering reliable and comprehensive insurance solutions, ensuring that clients are well-protected against various health-related risks. The company operates solely in Germany, focusing on the local market and adapting its offerings to meet the specific needs of its clientele. With a workforce of over 900 employees, Continentale Versicherung is well-equipped to support its customers through personalized service and a robust online platform for managing insurance needs.

4. SECURVITA Krankenkasse

• Website: securvita.de
• Ownership type: Private
• Headquarters: Hamburg, Hamburg, Germany
• Employee distribution: Germany 100%
• Founded year: 1996
• Headcount: 201-500
• LinkedIn: securvita-krankenkasse

SECURVITA Krankenkasse, founded in 1996 and headquartered in Hamburg, Germany, is a private health insurance provider that specializes in offering a range of health insurance products. The company serves individuals and families, providing both private and supplementary insurance options. SECURVITA is particularly noted for its commitment to preventive care and natural healing methods, which include a variety of recognized therapies such as homoeopathy and osteopathy. Their offerings are designed to adapt to the changing needs of their members, ensuring comprehensive coverage that evolves with life stages. Additionally, SECURVITA promotes wellness through programs like HealthMiles, which rewards members for engaging in healthy activities. The company has received accolades in health insurance tests, reflecting its strong performance in customer satisfaction and service quality. With a workforce of around 201-500 employees, SECURVITA maintains a significant presence in the German health insurance market, focusing on personalized health solutions.

5. Union Krankenversicherung - UKV

• Website: ukv.de
• Ownership type: Private
• Headquarters: Saarbrücken, Saarland, Germany
• Employee distribution: Germany 100%
• Founded year: 1979
• Headcount: 501-1000
• LinkedIn: union-krankenversicherung

Union Krankenversicherung AG, commonly known as UKV, is a private health insurance company located in Saarbrücken, Saarland, Germany. Founded in 1979, UKV specializes in a range of insurance products tailored to meet the needs of individuals, families, and self-employed professionals. Their offerings include private health insurance, supplementary health insurance, and travel insurance, which are designed to help clients manage healthcare costs effectively. UKV also provides services such as dental insurance, alternative medicine coverage, and long-term care insurance. The company emphasizes digital solutions, allowing clients to manage their policies online through a user-friendly portal. With a workforce of approximately 501 to 1000 employees, UKV maintains a strong presence in the German health insurance market, focusing on customer service and satisfaction. They have not reported any recent funding, indicating a self-sustaining business model.

6. INTER Versicherungsgruppe

• Website: inter.de
• Ownership type: Private
• Headquarters: Mannheim, Baden-Württemberg, Germany
• Employee distribution: Germany 100%
• Founded year: 1968
• Headcount: 1001-5000
• LinkedIn: inter-versicherungsgruppe

INTER Versicherungsgruppe, based in Mannheim, Baden-Württemberg, Germany, is a private insurance company founded in 1968. With a workforce of approximately 343 employees, the company specializes in a variety of insurance products, prominently featuring health insurance. Their offerings include private health insurance tailored for employees, self-employed individuals, and medical professionals, as well as supplementary insurance options that cover dental, hospital stays, and outpatient services. The company also provides long-term care insurance and health management services, which include case management and health programs aimed at improving patient outcomes. INTER Versicherungsgruppe operates through numerous offices throughout Germany, ensuring that their services are accessible to a wide range of clients, from individuals to businesses. Their commitment to customer service and support for those with chronic illnesses further solidifies their position in the health insurance industry.

7. vigo Krankenversicherung VVaG

• Website: vigo-krankenversicherung.de
• Ownership type: Private
• Headquarters: Neunkirchen, North Rhine-Westphalia, Germany
• Employee distribution: Germany 100%
• Founded year: 1985
• Headcount: 11-50
• LinkedIn: vigo-krankenversicherung

vigo Krankenversicherung VVaG, based in Neunkirchen, North Rhine-Westphalia, Germany, is a private health insurance provider that has been operational since 1985. With a workforce of around 21 employees, the company specializes in supplementary health insurance, travel health insurance, and care insurance. vigo caters to individuals looking for comprehensive health coverage, particularly those who travel abroad or need additional support for care. Their business model emphasizes personalized insurance solutions, ensuring that clients receive coverage that meets their unique circumstances. The company has formed a partnership with AOK, which allows them to offer exclusive benefits and services to their customers. vigo has also been recognized for its quality offerings, receiving accolades from reputable sources such as FOCUS MONEY and Stiftung Warentest, which underscores their commitment to providing reliable insurance products.

8. Feather

• Website: feather-insurance.com
• Ownership type: Venture Capital
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 92%, Italy 4%, United Arab Emirates 4%
• Latest funding: Series A, $6.4M, June 2024
• Founded year: 2018
• Headcount: 11-50
• LinkedIn: feather-insurance

Feather, founded in 2018 and based in Berlin, Germany, is an insurance company that specializes in providing a variety of insurance products, including health, liability, life, and pet insurance. The company primarily targets expats and residents in Germany, offering tailored solutions to meet their unique insurance needs. Feather operates an online platform that allows customers to easily manage their policies and obtain quotes, streamlining the often cumbersome insurance process. With a workforce of around 52 employees, the company has recently secured over 6 million euros in Series A funding, reflecting its growth ambitions and the increasing demand for its services. Feather's commitment to customer support and transparent advice positions it as a modern player in the insurance industry, particularly for those unfamiliar with the German healthcare system.

9. Versicherungskammer Maklermanagement

• Website: versicherungskammer-makler.de
• Ownership type: Private
• Headquarters: Flensburg, Schleswig-Holstein, Germany
• Employee distribution: Germany 100%
• Founded year: 2001
• Headcount: 11-50
• LinkedIn: versicherungskammer-maklermanagement-kranken

Versicherungskammer Maklermanagement, founded in 2001 and based in Flensburg, Schleswig-Holstein, Germany, operates as a private insurance agency. The company specializes in private health insurance and supplementary insurance products, catering to a variety of clients including individuals, businesses, and organizations. They provide a comprehensive suite of health insurance solutions, which includes premium health plans, supplementary coverage, and tailored options for specific groups such as civil servants. Their digital tools and resources are designed to streamline the insurance process, ensuring clients have easy access to necessary coverage and support. The company is part of a larger financial group, which enhances its credibility and operational capacity in the insurance market.

10. Bdae Gruppe

• Website: bdae.com
• Ownership type: Corporate
• Headquarters: Hamburg, Hamburg, Germany
• Employee distribution: Germany 100%
• Latest funding: September 2017
• Founded year: 1995
• Headcount: 51-200
• LinkedIn: bdae-gruppe

Bdae Gruppe, based in Hamburg, Germany, is an insurance provider founded in 1995. The company specializes in international health insurance and services tailored for expatriates and businesses. With a workforce of 51-200 employees, Bdae Gruppe has established itself as a reliable source of coverage for individuals and companies needing health insurance while living or working abroad. Their offerings include health insurance, daily allowance insurance, and assignment management services. Bdae Gruppe serves a clientele that includes private individuals and businesses, ensuring they have access to necessary healthcare services regardless of their location. The company has been recognized for its expertise in managing the complexities of international health insurance, making it a significant player in this specialized market.

11. ALTE OLDENBURGER Krankenversicherung AG

• Website: alte-oldenburger.de
• Ownership type: Private
• Headquarters: Vechta, Lower Saxony, Germany
• Employee distribution: Germany 100%
• Founded year: 1927
• Headcount: 201-500
• LinkedIn: alte-oldenburger-krankenversicherung-ag

ALTE OLDENBURGER Krankenversicherung AG, based in Vechta, Lower Saxony, Germany, is a private health insurance provider established in 1927. The company specializes in a range of insurance products, including private health insurance, supplementary insurance, and international health insurance. They cater to various demographics, including employees, self-employed individuals, students, and civil servants, ensuring that their offerings are tailored to meet the specific needs of these groups. Over the years, ALTE OLDENBURGER has evolved from its origins as a self-help organization for small farmers to a modern health insurance provider, adapting to the changing landscape of the health insurance market. Their commitment to customer service is evident through their various support services, including a 24-hour health hotline and online consultations. The company operates solely within Germany, maintaining a focused approach to its market. They have not reported any recent funding, indicating a stable operational model without reliance on external financial support.

12. impuls Finanzmanagement AG

• Website: impuls.com
• Ownership type: Private
• Headquarters: Gersthofen, Bavaria, Germany
• Employee distribution: Germany 100%
• Founded year: 1984
• Headcount: 501-1000
• LinkedIn: impuls-finanzmanagement-ag

impuls Finanzmanagement AG, based in Gersthofen, Bavaria, Germany, is a private insurance brokerage founded in 1984. The company specializes in offering a comprehensive range of insurance products tailored for both private individuals and businesses. Their services include health insurance, life insurance, property insurance, and liability insurance, among others. With a strong emphasis on personalized consultation, impuls operates through multiple locations across Germany, ensuring effective service delivery to their clients. They provide various health insurance options, such as private health insurance, statutory health insurance, and supplementary health insurance products, which cater to the needs of their clients. The company employs a team of experts dedicated to guiding clients through the complexities of insurance, helping them manage risks and secure financial protection. As of now, there is no reported funding for the company, indicating a stable operational model without external financial backing.

13. ERGO Direkt Versicherung AG

• Website: ergodirekt.de
• Ownership type: Private
• Headquarters: Nuremberg, Bavaria, Germany
• Employee distribution: Germany 100%
• Founded year: 1984
• Headcount: 11-50
• LinkedIn: ergo-direkt-versicherung-ag

ERGO Direkt Versicherung AG, based in Nuremberg, Bavaria, Germany, is a private insurance and financial services provider founded in 1984. The company specializes in a wide array of insurance products, with a strong emphasis on health insurance offerings. Their portfolio includes hospital supplementary insurance, outpatient supplementary insurance, and long-term care insurance, catering to the needs of individuals and families. ERGO Direkt aims to help clients manage health-related risks and secure their financial future through tailored insurance solutions. With a workforce of around 41 employees, the company operates exclusively in Germany, ensuring a focused approach to the local market. Their commitment to customer service is evident through various support channels, including online services and personal consultations.

14. Janitos Versicherung AG

• Website: janitos.de
• Ownership type: Private
• Headquarters: Heidelberg, Baden-Württemberg, Germany
• Employee distribution: Germany 100%
• Founded year: 2005
• Headcount: 51-200
• LinkedIn: janitos-versicherung-ag

Janitos Versicherung AG, founded in 2005 and based in Heidelberg, Baden-Württemberg, Germany, is a private insurance company that provides a variety of insurance products. Their portfolio includes liability, health, and vehicle insurance, catering to individuals, families, and professionals. Janitos aims to deliver tailored coverage options to protect against various risks, operating primarily in Germany and Austria. The company emphasizes customer service and offers online tools for claims management and policy adjustments. With a workforce of approximately 87 employees, Janitos is committed to providing reliable insurance solutions and has made strides in promoting sustainability within their operations. They have not reported any funding, indicating a self-sustained growth model.

15. PassportCard Europe

• Website: passportcard.de
• Ownership type: Private
• Headquarters: Hamburg, Hamburg, Germany
• Employee distribution: Germany 100%
• Founded year: 1999
• Headcount: 201-500
• LinkedIn: passportcard-deutschland

PassportCard Europe, based in Hamburg, Germany, was founded in 1999 and operates as a private insurance provider. The company specializes in international health insurance tailored for expatriates, families, and digital nomads. Their offerings include comprehensive health coverage that features medical evacuation and real-time payment options, allowing clients to access healthcare services without upfront costs. PassportCard's services are designed to meet the needs of individuals living abroad, ensuring they have reliable health insurance solutions. The company prides itself on its customer service, providing 24/7 support in multiple languages and a high customer satisfaction rate. PassportCard is a member of the White Mountains Group, which adds to its credibility in the insurance market.

16. MAWISTA GmbH

• Website: mawista.com
• Ownership type: Private
• Headquarters: Plochingen, Baden-Württemberg, Germany
• Employee distribution: Germany 100%
• Founded year: 2003
• Headcount: 11-50
• LinkedIn: mawista-gmbh

MAWISTA GmbH, founded in 2003 and based in Plochingen, Baden-Württemberg, Germany, is a private health insurance provider that specializes in insurance products tailored for international students, expats, and tourists. The company offers a range of health insurance plans designed to meet the specific needs of individuals who are traveling or studying abroad. Their product lineup includes options like MAWISTA Student, MAWISTA Expatcare, and MAWISTA Reisecare, which provide essential coverage for medical care during international stays. MAWISTA has built a reputation for its customer service and quick processing of insurance documents, ensuring that clients receive their insurance paperwork within 24 hours of application. The company operates solely in Germany and has not reported any funding, indicating a self-sustained business model. Their partnership with Allianz Partners, a prominent international travel insurer, underscores their commitment to quality and reliability in the health insurance market.

17. DR-WALTER Insurance GmbH

• Website: dr-walter.com
• Ownership type: Family Owned
• Headquarters: Neunkirchen-Seelscheid, North Rhine-Westphalia, Germany
• Employee distribution: Germany 100%
• Founded year: 1959
• Headcount: 51-200
• LinkedIn: dr-walter-gmbh

DR-WALTER Insurance GmbH, founded in 1959 and based in Neunkirchen-Seelscheid, North Rhine-Westphalia, Germany, is a family-owned insurance company that specializes in travel and health insurance. With a workforce of approximately 69 employees, the company has carved out a niche in providing tailored insurance solutions for expatriates, students, and travelers. Their product range includes comprehensive coverage options designed to meet the specific needs of individuals and organizations, ensuring that clients can navigate their insurance choices with confidence. DR-WALTER emphasizes personalized service, offering expert advice to help customers understand their options. The company has received various accolades for its service quality and innovation, reflecting its commitment to maintaining high standards in the insurance industry. They also engage in sustainability initiatives and community projects, showcasing their dedication to social responsibility.

18. getolo

• Website: dentolo.de
• Ownership type: Corporate
• Headquarters: Berlin, Berlin, Germany
• Employee distribution: Germany 100%
• Latest funding: July 2019
• Founded year: 2015
• Headcount: 51-200
• LinkedIn: dentolo

getolo, officially known as Dentolo Deutschland GmbH, is a corporate entity based in Berlin, Germany, founded in 2015. The company focuses on providing dental supplementary insurance, catering to individuals who need additional coverage for dental expenses that statutory health insurance does not fully cover. With a workforce of approximately 156 employees, getolo has established itself as a notable player in the dental insurance market. Their offerings include various insurance plans that promise up to 100% coverage for dental treatments, immediate activation without waiting periods, and additional benefits such as free dental cleanings. As part of the Zurich Group in Germany, getolo leverages a network of dental professionals to enhance service delivery and customer satisfaction. The company has received positive evaluations from independent testing organizations, further solidifying its reputation in the industry.

19. Genki

• Website: gen.ki
• Ownership type: Private
• Headquarters: Cologne, North Rhine-Westphalia, Germany
• Employee distribution: Germany 100%
• Founded year: 2021
• Headcount: 11-50
• LinkedIn: staygenki

Genki, founded in 2021 and based in Cologne, Germany, is a private health insurance provider that specializes in offering tailored insurance solutions for digital nomads and travelers. With a team of 25 employees, the company has quickly positioned itself in the health insurance sector by focusing on the unique needs of individuals who travel or live abroad. Genki provides both long-term and short-term health insurance options, ensuring that clients have access to necessary medical treatment, hospitalization, and other health-related services. Their insurance products are designed to be flexible, allowing customers to sign up online even if they are already abroad. Genki's mission is to simplify health coverage for nomads, expats, and world travelers, making it easier for them to manage their health while on the move. The company is backed by reputable insurance partners, which enhances its reliability in the market.

Health Insurance Insights: Key Companies in Germany

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