Embea
Embea is a Berlin-based digital insurance intermediary (founded 2022) that distributes life, critical illness, and cancer insurance products to German consumers via direct-to-consumer sales and an embedded B2B2C platform (PartnerFlow), with policies underwritten by Triglav Group.
- Company typePrivate
- Founded2022
- HeadquartersBerlin, Germany
- Headcount11–50
- GTM typeB2B and B2C
- OfferingServices
What Embea does
Embea GmbH is a Berlin-based digital insurance intermediary founded in 2022 that distributes life and health insurance products to German consumers through both direct-to-consumer channels and a B2B2C embedded insurance platform called PartnerFlow. The company offers three core products — Krebsversicherung (cancer insurance), Kritische-Krankheiten-Schutz (critical illness coverage for cancer, heart attack, and stroke), and Todesfall-Schutz (term life insurance) — with entry pricing from €4.99 to €9.99 per month and tax-free payouts ranging from €150,000 (critical illness/cancer) to €500,000 (life). All products are underwritten and financially backed by Triglav Group (Zavarovalnica Triglav), the largest insurer in Southeast Europe with over 125 years of operating history, allowing Embea to operate as a regulated insurance agent (Versicherungsvertreter under §34d (1) GewO, registration D-RP8H-JKDUI-22) without carrying underwriting risk on its own balance sheet.
Embea's proprietary PartnerFlow platform enables distribution partners — fintechs, banks, neo-banks, financial advisors, mortgage providers, telemedicine platforms, and fitness/lifestyle applications — to embed Embea insurance products into their own user interfaces via no-code configuration or API integration (documented at docs.embea.com), generating up to €480 in commission per customer sold. The company also distributes direct via embea.com and the AWIN affiliate network. Technology stack includes Google Analytics for traffic measurement, Cookiebot for GDPR consent management, and Trustpilot for review collection; claims are processed digitally with a stated 3-4 business day payout turnaround following automated document verification of medical reports.
Embea raised approximately $4.3M in seed funding in February 2024, led by Atlantic with participation from astorya.vc and LA ROCA Capital. The company operates with 11-50 employees from headquarters in Berlin and is led by founders Dr. Johannes Becher (CEO/Geschäftsführer), Dimitri Mann (Head of Product Development), and Leopold Jedina (Head of Operations). The addressable market is anchored on the company's own marketing claim that 80% of European workers lack insurance coverage against existential life risks, while current customer traction remains nascent (8 Trustpilot reviews at 4.5 stars) consistent with the company's early operating stage.
Embea firmographics
Firmographics- Name
- Embea
- Legal name
- Embea GmbH
- Website
- https://embea.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Embea is a Berlin-based digital insurance intermediary (founded 2022) that distributes life, critical illness, and cancer insurance products to German consumers via direct-to-consumer sales and an embedded B2B2C platform (PartnerFlow), with policies underwritten by Triglav Group.
- Ownership category
- akta.pro rank
Embea industry classification
Industry- Product category
- Digital Life and Health Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421), Other Insurance Related Activities (52429)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)
- akta.pro secondary industries
- Specified Disease Hospital Indemnity (e.g., Cancer Hospital Indemnity) (FSAIAKAI), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)
Keywords
Where Embea is headquartered
LocationHeadquarters
- HQ city
- Berlin
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
Embea business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations, Supply Chain
Revenue model
- Insurance Premium Revenue: Embea earns revenue through subscription-based insurance premiums from customers purchasing critical illness and life protection policies. Customers pay monthly contributions for coverage against cancer, heart attack, stroke, and death.
- Partner Distribution Commissions: Distribution partners earn commissions (up to €480 per customer) when selling Embea insurance products through their platforms. Embea generates revenue from the premium payments flowing through these partner channels.
- AWIN Affiliate Program: Embea participates in the AWIN affiliate network, receiving referrals through click or sale-based commissions for marketing partnerships.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Embea Todesfall-Schutz (Life Protection) - from €4.99/month |
| Subscription | Monthly | Embea Kritische-Krankheiten-Schutz (Critical Illness Protection) - from €9.99/month |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Embea product offering
Product offeringCore offering
Embea distributes digital life, critical illness, and cancer insurance policies directly to consumers through embea.com and to B2B partners through the PartnerFlow embedded-insurance platform. Coverage is underwritten by Triglav Group, with fully online enrollment, mobile-based claims submission, and automated payout decisions within 3–4 business days.
Product overview
Embea is a digital insurance provider offering a portfolio of three core life insurance products: (1) Krebsversicherung for cancer coverage, (2) Kritische-Krankheiten-Schutz for critical illness protection covering cancer, heart attack, and stroke, and (3) Todesfall-Schutz for life/death benefit coverage. An accident insurance product is planned. All products are distributed through both direct-to-consumer (B2C) and B2B2C partner channels via the PartnerFlow platform. The company operates as an insurance intermediary backed by established insurers, emphasizing digital processes, fast claims processing (3-4 working days), and simplified policy terms.
Differentiator
Problem solved
Functional benefit
Products and services
- Embea Kritische-Krankheiten-Schutz (Critical Illness Insurance) Tax-free lump-sum payout up to €150,000 upon diagnosis of cancer, heart attack, or stroke. Children are automatically insured at no additional cost (50% payout for child illness). Premiums guaranteed for 15 years. Sold both direct-to-consumer and through B2B partners.
- Embea Krebsversicherung (Cancer Insurance) Specialized cancer insurance with immediate tax-free payout (up to €150,000) upon diagnosis of any cancer type. Children included at no extra charge. 6-month waiting period and 10-year guaranteed premium.
- Embea Todesfall-Schutz (Term Life Insurance) Term life insurance paying a tax-free lump sum up to €500,000 to beneficiaries upon the policyholder's death from any cause. Pricing starts at €4.99/month, with final premium depending on age, health, and coverage amount. Protects family financial stability, children's future, and debt obligations.
- PartnerFlow Self-service B2B platform enabling distribution partners (fintechs, banks, neo-banks, health and lifestyle apps) to embed Embea insurance products into their apps or websites without technical development effort. Partners can configure products, customize branding, and earn commissions (up to €480 per customer) through dedicated PartnerFlow links and REST APIs.
Quantifiable outcome
- Claims processed in 3-4 business days
- +2 more outcomes
Companies that use Embea
Customer profileSegments4 records
Ideal customer profiles2 records
Embea technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration4 records
AI capability3 records
Feature3 records
Embea partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered minor.
- AWIN AGminorAWIN is a German affiliate marketing network connecting merchants with publishers/affiliates. Embea participates in the AWIN partner program to drive traffic and customer acquisitions through affiliate partnerships, with commissions paid for clicks or sales generated.
- Trustpilot A/SminorTrustpilot provides customer review and feedback services. Embea uses Trustpilot to collect customer reviews and build credibility, with ratings displayed on their website showing 4.5 stars from 8 reviews.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Embea competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Embea social profiles
Digital presenceEmbea compliance and trust
Trust signalCompliance4 records
Embea financial estimates
Financial estimateRevenue estimate
Valuation estimate
Embea leadership team
Management profileNumber of profiles
Profiles6 records
Embea funding detail
Funding detailFunding overview
Funding rounds1 record
Investors4 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Embea M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Embea
What does Embea do?
Embea distributes digital life, critical illness, and cancer insurance policies directly to consumers through embea.com and to B2B partners through the PartnerFlow embedded-insurance platform. Coverage is underwritten by Triglav Group, with fully online enrollment, mobile-based claims submission, and automated payout decisions within 3–4 business days.
Is Embea a public or private company?
Embea is a private company. It is classified as venture growth investor backed and is currently operating.
When was Embea founded?
Embea was founded in 2022. It employs 11 to 50 people.
Where is Embea based?
Embea is headquartered in Berlin, Germany, in the Europe region.
How does Embea make money?
Three revenue lines are on record. Insurance Premium Revenue is the primary driver. The others are partner Distribution Commissions and AWIN Affiliate Program.
Does Embea have an API?
Yes. PartnerFlow API allows distribution partners to embed insurance sales into their apps or websites without technical development effort. Partners can use digital interfaces (APIs) for seamless integration into their user interfaces. Commission tracking is available through partner links. Developer documentation is at docs.embea.com.
What industry is Embea in?
Embea's product category is Digital Life and Health Insurance. Its primary akta.pro industry code is FSAGAGAL, Embedded Insurance & Affinity Distribution Platforms, with a secondary code of FSAIAKAI, Specified Disease Hospital Indemnity (e.g., Cancer Hospital Indemnity). Its NAICS code is 5242 and its SIC code is 6411.