OHRA

What OHRA does

OHRA is a Netherlands-based direct-to-consumer personal insurance brand operating under NN Group N.V. Founded in 1924/1925, OHRA delivers a broad portfolio of consumer insurance products across motor (auto, motorcycle, kilometer/pay-per-mile, caravan, vouwwagen, leenauto), home (inboedel, opstal, aansprakelijkheid), health (basisverzekering and supplementary tiers plus dental), travel (annual and short-term plus cancellation), pet, legal-expense, and accident coverage. The brand's stated differentiator is a no-intermediary, digital-first model: customers calculate premiums, purchase policies, manage documentation, and file claims entirely through www.ohra.nl, the Mijn OHRA web portal, and the OHRA App. Pricing for standard lines is publicly published (e.g., basic health €159.55/month, supplemental health from €7.95/month, dental tiers €13.75-€27.95/month) and the company advertises up to 82% no-claim discounts and a 24/7 Hulpdienst.

Operationally, OHRA is a sales and distribution brand rather than a regulated insurer in its own right; P&C products sit under Nationale-Nederlanden Schadeverzekering Maatschappij N.V. and health distribution is handled by Distributie Zorgverzekeringen B.V., with health risk intermediated to OHRA Zorgverzekeringen N.V. and CZ Groep U.A. The technology stack is conventional web and mobile delivery with no disclosed AI/ML capabilities, proprietary model layer, or developer API. Supporting integrations include the Medicinfo 'Spoedzorg op reis' emergency-care app shared across CZ Group labels, an AOK Rheinland cross-border healthcare card for Dutch policyholders in German Euregios, and accessibility services (Tolkcontact Teletolk for sign-language interpretation).

The business model is recurring subscription revenue from monthly or annual insurance premiums across multiple product lines, sold and serviced entirely direct, without broker or agent commissions. The customer base is mass-market Dutch individuals and households, segmented horizontally by product line. Recent strategic posture has been consolidating on private consumers: OHRA discontinued its ZZP (self-employed) insurance line as of May 1, 2023, and historical life-insurance and banking books were earlier migrated to NN Levensverzekering Maatschappij N.V. and NN Bank N.V. following the NN Group acquisition.

Name

OHRA

Legal name

OHRA

Website

https://ohra.nl

Company type

Private

Founded year

1924

Operating status

Operating

Headcount range

251–500 employees

Short description

OHRA is a Netherlands-based direct-to-consumer personal insurance brand under NN Group N.V., offering auto, home, health, dental, travel, pet, legal, and accident policies sold and managed entirely online and via the OHRA App for Dutch households.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Insurance Carriers (5241), Insurance Agencies and Brokerages (524210), Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Administration (TPA/ASO) (FSAIAEAK)

Keywords

• Personal insurance
• Health insurance
• Auto insurance
• Home insurance
• Travel insurance

Headquarters

HQ city

Arnhem

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: OHRA generates revenue through subscription-based insurance premiums from multiple product lines including health insurance (basisverzekering and aanvullende verzekering), home insurance, auto insurance, travel insurance, pet insurance, and legal expense insurance. Revenue is recurring as premiums are paid monthly by customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels4 records

Core offering

OHRA is a Dutch insurance company that sells and underwrites personal insurance products directly to consumers via its website and mobile app, including auto, health (basic and supplemental), home, travel, pet, legal expense, accident, and liability insurance. Customers purchase and manage policies themselves without intermediaries, paying recurring monthly or annual premiums, and OHRA provides 24/7 emergency assistance and digital claims handling. OHRA operates as a direct-to-consumer brand within NN Group N.V., serving private individuals and families in the Netherlands.

Product overview

OHRA is a Dutch insurance company and part of NN Group N.V., offering a comprehensive portfolio of personal insurance products. The core offering includes motor vehicle insurance (Autoverzekering, Motorverzekering, Kilometerverzekering, Leenautoverzekering, Caravanverzekering, Vouwwagenverzekering), health insurance (Zorgverzekering with basic and supplemental Aanvullende Verzekering plans, plus standalone Tandartsverzekering), home insurance (Woonverzekeringen comprising Inboedelverzekering and Opstalverzekering), travel insurance (Reisverzekering in annual and short-term variants with Annuleringsverzekering), and other personal covers (Rechtsbijstandverzekering, Ongevallenverzekering, Aansprakelijkheidsverzekering, Huisdierenverzekering). Customers manage policies through digital self-service channels including the Mijn OHRA web portal and the OHRA App for mobile devices, plus the specialized Spoedzorg op reis App for health emergency assistance abroad.

Differentiator

Problem solved

Functional benefit

Products and services

• Autoverzekering Car insurance providing coverage for vehicle damage, third-party liability, and related motoring risks for Dutch consumers, with an online premium calculator.
• Zorgverzekering Health insurance providing coverage for medical care, hospital treatments, medications, and supplementary health services for individuals and families in the Netherlands. Includes a mandatory basic plan (basisverzekering at €159.55/month) and optional supplemental plans.
• Woonverzekeringen Home insurance umbrella covering buildings (opstal) and/or household contents (inboedel) against damage, theft, and other risks, offered to Dutch homeowners and tenants.
• Huisdierenverzekering Pet insurance covering veterinary costs for dogs and cats with multiple coverage levels, offered to Dutch pet owners.
• Reisverzekering Travel insurance available as annual (doorlopende) or short-term (kortlopende) policies, covering trip cancellations, medical emergencies, and travel assistance for Dutch travellers.
• Rechtsbijstandverzekering Legal expense insurance providing coverage for legal costs and assistance in various legal matters for Dutch consumers.
• Motorverzekering Motorcycle insurance covering motorcycle-specific risks and liabilities for owners in the Netherlands.
• Caravanverzekering Insurance covering caravans, mobile homes, and recreational vehicles against damage, theft, and related risks.
• Inboedelverzekering Household contents insurance covering personal belongings inside the home against damage or theft, for Dutch tenants and homeowners.
• Opstalverzekering Buildings insurance covering structural damage to owned residential property for Dutch homeowners.
• Aansprakelijkheidsverzekering Personal liability insurance covering legal liability for property damage or bodily injury caused to third parties by the insured.
• Kilometerverzekering Usage-based car insurance where the monthly premium is calculated according to the actual number of kilometers driven.
• Leenautoverzekering Insurance for borrowed or loaned vehicles, providing temporary coverage when driving a car that does not belong to the insured.
• Tandartsverzekering Standalone dental insurance with three coverage tiers (Tand Sterk €250, Tand Gaaf €325, Tand Gaaf €500) offering 75% reimbursement for dental treatments and accident coverage up to €20,000 per incident.
• Ongevallenverzekering Personal accident insurance providing a lump-sum or daily benefit in the event of accidental injury.
• Vouwwagenverzekering Insurance covering folding campers (vouwwagens) and related equipment for Dutch owners of tent trailers.
• Annuleringsverzekering Trip cancellation insurance that reimburses non-refundable travel costs when a trip is cancelled or interrupted for a covered reason.

Quantifiable outcome

• Up to 82% no-claim discount available

Named customers4 records

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• CZ GroepcoreStrategic or Co-development PartnerOHRA Zorgverzekeringen N.V. and OWM CZ Groep U.A. are both part of CZ Groep. OHRA Health Insurance intermediates health insurance policies to OHRA Zorgverzekeringen N.V. and the mutual insurance company CZ Groep U.A.
• MedicinfocoreTechnology or IntegrationThe 'Spoedzorg op reis' (Emergency Care Abroad) app is developed by Medicinfo in collaboration with health insurer CZ for labels including OHRA, Nationale-Nederlanden, CZ, CZ Direct, Just, and PZP. The app provides emergency medical assistance abroad.
• AOK RheinlandcoreChannel Partner/ Reseller/ DistributorFor Germany, OHRA uses contracts that German health insurer AOK Rheinland has with German specialists and hospitals. A special healthcare card (Internationale Zorgpas) was developed for this purpose, valid in three Euregios: Maas-Rijn, Maas-Rijn Noord, and Rijn-waal.
• DAS (OndernemersDesk)minorImplementation/ SI/ Consulting PartnerFor ZZP (self-employed) insurance legal questions, DAS OndernemersDesk provides legal advice services at 088 - 327 98 00. OHRA discontinued ZZP insurance as of May 1, 2023.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• FBTO: Dutch direct-to-consumer insurer (part of Achmea) offering health, auto, home, travel and pet insurance online without intermediaries — the same digital, multiline consumer model as OHRA.
• InShared: Achmea's fully online direct insurer for auto, home and travel in the Netherlands, competing head-on with OHRA's intermediary-free self-service proposition.
• Centraal Beheer: Long-established Dutch direct insurer (Achmea) selling personal non-life and health insurance straight to consumers, directly comparable to OHRA's D2C brand positioning.
• Ditzo: Dutch online direct insurer (a.s.r.) offering health and non-life cover to consumers via a digital-first model closely mirroring OHRA.
• Univé: Dutch mutual insurer providing health, auto, home and liability insurance to private consumers, overlapping directly with OHRA's product range and market.
• CZ: Major Dutch health insurer and OHRA's core health partner/underwriter; competes for the same mandatory and supplementary health insurance customers.

Broad incumbents

• Nationale-Nederlanden: OHRA's sister brand and primary label within NN Group, offering a broad range of insurance and financial products across the Netherlands.
• Achmea: The largest Dutch insurance group (Zilveren Kruis, Centraal Beheer, FBTO, InShared), operating across health and non-life personal lines that OHRA competes in.
• a.s.r. Nederland: Large listed Dutch insurer offering non-life, health and income insurance to consumers and businesses, a broad incumbent overlapping OHRA's personal-lines focus.
• Zilveren Kruis: The Netherlands' largest health insurer (Achmea), a direct competitor for OHRA's basic and supplementary health insurance products.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/ohra

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 OHRA