What Getsurance does

Getsurance is a Berlin-based digital insurance distributor (legally Getsurance® GmbH, founded 2016) that sells a focused portfolio of four income-protection insurance products to individual consumers in Germany and Austria: Krebsversicherung (Cancer Insurance) — a lump-sum policy paying €10,000–€100,000 on diagnosis; Risikolebensversicherung (Term Life Insurance); Berufsunfähigkeitsversicherung (Occupational Disability Insurance); and Arbeitsausfallversicherung (Work Incapacity Insurance). The company does not itself carry underwriting risk; SquareLife Insurance AG acts as the licensed carrier, while Getsurance owns the customer-facing product, brand, and distribution layer. All interactions — quoting, application, policy management, and claims — are conducted digitally through a self-serve website (a 2-minute health questionnaire yields a personalised monthly premium), supported by email, phone, and live chat staffed by a small customer-management team. Pricing is a monthly subscription that policyholders can cancel at any term, with a 6-month Bestpreisgarantie and free dependent cover for children under 18.

The business model is recurring premium revenue with a product-led, direct-to-consumer go-to-market motion. Getsurance relies on organic and paid digital channels (SEO, content marketing in its Ratgeber blog, paid search, social channels including TikTok/Instagram/LinkedIn, and a customer referral program paying up to €50 per successful referral) rather than agents or brokers. Value-added services bundled with cancer policies — specialist matching and second opinions via partner BetterDoc, plus up to five hours of private psychotherapy — are intended to differentiate against traditional insurers and reinforce the brand promise of fast, human-quality claims service, evidenced by a 4.7-star Trustpilot score and a steady flow of named testimonials praising payout speed.

Strategically, Getsurance has positioned itself as a lean insurtech broker targeting the structural gap left by German statutory health insurance (gesetzliche Krankenversicherung), which covers medical costs but leaves a meaningful income shortfall during serious illness or disability. With 10,000+ disclosed cancer-insurance customers, 11–50 employees, and only ~$2.74M of total disclosed equity funding across 2016–2018 (from IBB Ventures, Picus Capital, PostFinance, and RGAx), the company appears to be a profitable, capital-light niche operator rather than a high-burn venture-scale InsurTech.

Name

Getsurance

Legal name

Getsurance® GmbH

Website

https://getsurance.de

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Getsurance is a Berlin-based digital insurance broker (founded 2016, ~10,000+ cancer-insurance customers) selling four income-protection products — cancer, term life, occupational disability, and work-incapacity cover — to individual consumers in Germany and Austria, underwritten by SquareLife Insurance AG.

Ownership category

akta.pro rank

Product category

Life and Health Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

Keywords

• Cancer insurance
• Term life insurance
• Occupational disability insurance
• Digital insurance broker
• Income protection insurance

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D

Revenue model

1. Insurance Premium Revenue: Getsurance generates revenue through monthly insurance premium payments from policyholders. Customers pay fixed monthly contributions for cancer insurance (Krebsversicherung), occupational disability insurance (Berufsunfähigkeitsversicherung), and life risk insurance (Risikolebensversicherung). Premiums are calculated based on age, smoking status, selected coverage sum, and end age. The revenue is recurring in nature as long as policies remain active.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels6 records

Core offering

Getsurance is a Berlin-based digital insurance intermediary that distributes four income-protection insurance products directly to consumers via its website: Krebsversicherung (Cancer Insurance), Risikolebensversicherung (Term Life Insurance), Berufsunfähigkeitsversicherung (Occupational Disability Insurance), and Arbeitsausfallversicherung (Work Incapacity Insurance). The entire journey — premium calculation (in ~2 minutes), application, policy issuance, service, and claims — is conducted online, with policies underwritten and administered through its carrier partner SquareLife Insurance AG.

Product overview

Getsurance is a digital insurance company based in Berlin, operating since 2016, that offers a focused portfolio of income-protection insurance products. The core offering consists of four insurance products: Krebsversicherung (Cancer Insurance), which pays a lump-sum benefit upon cancer diagnosis; Berufsunfähigkeitsversicherung (Occupational Disability Insurance), protecting income if the policyholder becomes unable to work; Risikolebensversicherung (Term Life Insurance), providing death benefit protection; and Arbeitsausfallversicherung (Work Incapacity Insurance), covering periods of work incapacity. All products are fully digital, offered online with monthly contributions, and are underwritten in partnership with SquareLife Insurance AG. The company also offers a customer referral program (Empfehlungsprogramm) with rewards of up to 150 EUR per referrer.

Differentiator

Problem solved

Functional benefit

Products and services

• Krebsversicherung (Cancer Insurance) A cancer insurance policy that pays the policyholder a lump sum of EUR 10,000 to EUR 100,000 upon cancer diagnosis. Children under 18 of the policyholder are automatically covered free of charge, claims include free BetterDoc specialist matching and second opinions, and up to five sessions of private psychotherapy are bundled. Cover spans 300+ cancer types with certain early stages excluded.
• Risikolebensversicherung (Term Life Insurance) A term life insurance product that pays out a death benefit to protect the policyholder's family or income in case of death. It is offered as part of Getsurance's online income-protection portfolio underwritten with SquareLife Insurance AG.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) An occupational disability insurance that provides income replacement if the policyholder becomes unable to work in their profession due to illness or injury. Sold online with monthly contributions and integrated into Getsurance's digital self-serve flow.
• Arbeitsausfallversicherung (Work Incapacity Insurance) An insurance product that covers work incapacity, providing financial support during periods when the policyholder is unable to work. Marketed as the Arbeitsausfallversicherung on getsurance.de within the digital income-protection portfolio.

Quantifiable outcome

• 93% of cancer patients experience income loss after diagnosis
• +2 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• SquareLife Insurance AGcoreStrategic or Co-development PartnerSquareLife Insurance AG serves as the insurance carrier (Versicherungsträger) behind Getsurance policies. Getsurance develops and distributes insurance products while SquareLife handles the insurance risk and policy administration. This partnership enables Getsurance to focus on digital customer experience while leveraging SquareLife's insurance expertise and regulatory licenses.
• BetterDoccoreStrategic or Co-development PartnerBetterDoc is a family-founded company (2012) with over 200 employees including many doctors and medical professionals. They provide free specialist matching and second opinion services to Getsurance cancer insurance policyholders. The service helps patients find optimal specialists, get independent second opinions, and optionally assists with appointment scheduling. BetterDoc uses medical expertise, comprehensive databases, and an expert advisory board of 2,500+ leading specialists.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Clark: German digital insurance platform (Frankfurt) that helps consumers manage and buy insurance online; comparable to Getsurance as a D2C German insurtech using a digital, non-agent distribution model for life and health products.
• Ottonova: Munich-based digital private health insurer offering app-driven individual health insurance in Germany; directly comparable to Getsurance as a digitally native, consumer-facing health/life insurer targeting self-employed and employed professionals.
• Element Insurance: German Insurance-as-a-Service / digital insurance platform partnering with carriers to launch white-label products; comparable to Getsurance's carrier-fronted (SquareLife) model and similarly focused on non-traditional online distribution.
• Neodigital: German fully digital insurer (life and non-life) selling direct online with a mobile app; a direct peer to Getsurance in the digital, direct-to-consumer German insurance market with similar target customer.

Broad incumbents

• wefox: Berlin-based insurtech providing a digital platform for insurance distribution across multiple European markets; broader in scope than Getsurance but a direct competitor for consumer and small-business insurance distribution in DACH.
• Adam Riese: Allianz-owned direct-to-consumer digital insurance brand in Germany offering home, car, and personal insurance online; an incumbent-backed peer competing with Getsurance for the same digitally savvy German customers.
• Lemonade: Public, mobile-first digital insurer using AI-driven underwriting and a B-Corp model; internationally comparable to Getsurance as a benchmark for a fully digital, D2C insurance model with monthly cancellable policies and a strong brand-led GTM.
• Hallesche Krankenversicherung (ALH Group): Established German private health and supplementary health insurer; competes with Getsurance in supplementary health/critical-illness products in Germany but through traditional agent channels rather than digital-only.
• Canada Life / Canada Life Germany: International life and health insurer with German operations offering cancer/critical-illness and disability cover; comparable to Getsurance as an established participant in supplemental health and life products in the German market.

Regional players

• Friday: Berlin-based digital car insurer (part of the Allianz Group) selling motor insurance online in Germany; similarly digitally native, German, and consumer-facing, but focused on motor rather than life/health as Getsurance is.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/getsurance
• Instagraminstagram.com/getsurance.de
• TikToktiktok.com/@getsurance
• Xx.com/getsurance
• Facebookfacebook.com/getsurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds3 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Getsurance