die Bayerische
die Bayerische is a privately held Munich-based insurance group founded in 1858 offering property-casualty, life, pension, and supplementary health products to more than one million customers in Germany, distributed through tied agents, brokers, bank and InsurTech partners, and digital channels.
- Company typePrivate
- Founded1858
- HeadquartersMunich, Germany
- Headcount501–1,000
- GTM typeB2C
- OfferingServices
What die Bayerische does
die Bayerische (Versicherungsgruppe die Bayerische) is a privately held German insurance group headquartered in Munich, founded in 1858 and operating across property-casualty, life and pensions, and health insurance. The group serves more than one million customers through five core segments: public-sector employees (Beamte, teachers, soldiers), private individuals and families, SMEs, vehicle/mobility owners, and pet owners. Products span Kfz and mobility, household and building, liability and legal protection, pet, occupational disability (BU/Dienstunfähigkeit/Grundfähigkeit), life and pension, and supplementary health (dental, hospital), bundled in combined products such as PrimeHome, Löwen-Schutz, and Meine-eine-Police. The Pangaea Life sub-brand extends the group into sustainable Article 8/9 asset management and pension products (Blue Invest, Blue Living, Blue Energy).
The company runs a hybrid go-to-market combining an exclusive tied-agent force (Bayerische ProKunde AG), independent brokers, bank and InsurTech channel partnerships (notably BarmeniaGothaer under compexx Finanz AG, Oberbank extended to 2030, Finanzchef24, XEMPUS, Joonko, Kassenkompass), and direct digital sales via online calculators, the Meine Bayerische customer portal, and the AI chatbot Lea. Premium income grew from roughly €501M in 2018 to €607M in 2019 and has continued to expand at 9% in 2022 and 17% in 2023, materially outpacing a German insurance market growing at low single digits. The financial profile is underpinned by Assekurata A+ ratings sustained for 6+ consecutive years, an AA sustainability rating, and Top-4 financial-strength ranking among 69 German insurers (RealRate).
Technology and AI capabilities center on the Meine Bayerische digital contract manager, the BayRat consultation tool for compliant advice documentation, the BayFit health app, online self-service calculators, and multiple applied-AI initiatives: Lea (conversational sales), award-winning AI email automation, generative-AI partnership with Xaver for pension gap detection, and an AI-supported property-insurance application pilot with muffintech. Distribution and brand are reinforced through long-running sports sponsorships (TSV 1860 München since 2016, BIG E-Sports, FFC Wacker, Rot-Weiss Essen from 2026) and an extensive prevention-partner ecosystem (GROHE Sense Guard, KESSEL, Cleanfreshair.shop, Happybrush) embedded into policies. The group is consolidating operations into a 22-floor sustainable Munich headquarters (former Siemens building) from 2027 and, in July 2024, became the first German insurer to exit Run-Off and resume new life business under BY die Bayerische Vorsorge Lebensversicherung a.G.
die Bayerische firmographics
Firmographics- Name
- die Bayerische
- Legal name
- Versicherungsgruppe die Bayerische
- Website
- https://diebayerische.de
- Company type
- Private
- Founded year
- 1858
- Operating status
- Operating
- Headcount range
- 501–1,000 employees
- Short description
- die Bayerische is a privately held Munich-based insurance group founded in 1858 offering property-casualty, life, pension, and supplementary health products to more than one million customers in Germany, distributed through tied agents, brokers, bank and InsurTech partners, and digital channels.
- Ownership category
- akta.pro rank
die Bayerische industry classification
Industry- Product category
- Insurance
- NAICS
- Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Direct Property and Casualty Insurance Carriers (524126), Direct Life Insurance Carriers (524113)
- SIC
- Life Insurance (6311), Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Whole Life Insurance (FSAIABAA)
Keywords
Where die Bayerische is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Offices2 records
Markets served
die Bayerische business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others
Revenue model
- Property and Casualty Insurance (Komposit): Auto, liability, home, travel, and other property-casualty insurance premiums as recurring and one-time policies. Premium income from Kfz, Hausrat, Haftpflicht, Rechtsschutz, Tierversicherungen, Unfallversicherung.
- Life Insurance (Leben): Traditional and fund-linked life insurance, occupational disability insurance (BU), pension and retirement products. Premium income from Kapitallebensversicherung, Risikolebensversicherung, Berufsunfähigkeitsversicherung, private and occupational pension plans.
- Health Insurance: Supplementary health insurance products including dental, hospital, and ambulance Zusatzversicherungen, plus PKV through cooperation with Barmenia and BarmeniaGothaer.
- Asset Management (Pangaea Life): Sustainable investment products through Pangaea Life subsidiary including Article 8 and 9 funds, real estate funds (Blue Living), energy funds (Blue Energy), providing fund management fees and investment returns
- Distribution Revenue (Bayerische ProKunde AG): Revenue from bundled distribution operations through the Bayerische ProKunde AG subsidiary, serving exclusive sales partners
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | E-Scooter insurance starting from €3.07 per month |
| Subscription | Monthly | Handy insurance starting from €3.08 per month |
| Subscription | Monthly | Hospital insurance starting from €2.10 per month |
| Subscription | Monthly | Moped insurance starting from €6.12 per month |
| Subscription | Other | Referral bonus up to €50 for recommending dental or hospital insurance |
| Subscription | Monthly | Dental insurance (Zahn Sofort) with instant coverage |
Go-to-market motion4 records
Distribution channels5 records
Marketing channels9 records
die Bayerische product offering
Product offeringCore offering
die Bayerische is a Munich-based insurance group that underwrites and distributes property & casualty cover (motor, household, building, liability, legal protection, pet), life and pension products (disability, private pension, company pension scheme), and supplementary health insurance (dental, hospital, full private health). Through the sub-brand Pangaea Life it also offers sustainable investment and pension products, while the "Prime" line bundles home, pet and combined-property cover for digital customers.
Product overview
die Bayerische is a diversified insurance group offering a comprehensive portfolio of insurance and financial products across multiple lines: property & casualty (vehicle, home, liability, legal protection, pet), life & pensions (disability, pension, life insurance), and health (dental, hospital, full health). The company operates several sub-brands including Pangaea Life (sustainable investments) and Blue Invest (sustainable pension products). Key bundled/combo products include PrimeHome (combined home insurance), Löwen-Schutz (household+liability), and Meine-eine-Police (all-risk multi-product). Digital services include the 'Meine Bayerische' customer portal, Lea AI chatbot for sales support, and online calculators. The company emphasizes sustainability across its product range and maintains partnerships with various InsurTech companies for digital innovation.
Differentiator
Problem solved
Functional benefit
Brands
- Pangaea Life: Sustainable investment and asset management brand offering ESG-focused funds and pension solutions
- PrimeHome
- PrimePet
- Blue Invest
- BayFit
Products and services
- Vehicle & Mobility Insurance (Kfz & Mobilität)
Quantifiable outcome
- 3.6% total interest (Gesamtverzinsung) in 2025, above market average
- +5 more outcomes
Companies that use die Bayerische
Customer profileNamed customers9 records
Segments5 records
Ideal customer profiles4 records
die Bayerische technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration21 records
AI capability5 records
Feature8 records
die Bayerische partnerships and signals
Strategic signalPartnerships
23 partnerships are on record, tiered minor and core.
- KESSELminorPrevention partnership in building insurance. Provides free prevention services (such as backwater protection) to reduce flood and heavy rain damage claims.
- BarmeniaGothaer (via compexx Finanz AG)coreExclusive strategic distribution partnership under the umbrella of compexx Finanz AG. Combines sales power of BarmeniaGothaer and die Bayerische under shared distribution platform.
- Finanzchef24coreClose cooperation with Munich InsurTech Finanzchef24 focuses on digital development of Prime Business commercial insurance field. Digital product distribution and development.
- muffintechcorePilot project to simplify digital application process for property insurance using artificial intelligence. Goal is streamlined policy application.
- Vivida BKKcoreStrong partnership with statutory health insurer Vivida BKK offering exclusive health services, bonus programs, and first-class service.
- RideLinkminorPartnership for motorcycle safety. RideLink is a leading provider of motorcycle tracking solutions. Joint marketing and product integration for rider safety.
- Astra Versicherung AGcorePlanned acquisition of dental insurance portfolio and service unit of Astra Versicherung AG pending BaFin and cartel authority approval.
- WeForestminorOne euro donation per new contract to WeForest for sustainability. Pangaea Life social engagement.
- November (Digital Vorsorge & Bestattung)minorInvestment and partnership in digital funeral and care planning company November.
- asspario Versicherungsdienst AGminorExclusive elementary insurance for residential buildings and household via asspario subsidiary.
- Deutsche Unterstützungskasse (DUK)minorCooperation partner for occupational retirement provision (bAV) with focus on sustainably invested funds.
- lets GmbHminorCorporate volunteering startup. Joint Social Week events and free employer tool for corporate volunteering.
- NÜRNBERGER VersicherungminorCooperation in sustainable retirement provision, health management, and commercial property insurance segments.
- AutonautminorPangaea Life cooperates with mobility startup Autonaut on carpooling platform. Presented at IAA Mobility 2021 in Munich.
- Cleanfreshair.shopminorExclusive partnership with air quality company for PrimeHome product. COVID-19 response partnership.
- DomcuraminorDevelopment partnership with Assekuradeur Domcura for green residential building insurance. Exclusive risk carrier is die Bayerische.
- EmmoraminorPartnership with digital platform on end-of-life topics. Emmora provides digital services and counseling around end-of-life planning.
- GROHE (LIXIL)minorGROHE Sense Guard water security system offered as free part of all-risk coverage in home insurance. Prevention partnership for water damage.
- DELA (Netherlands)minorInternational partnership with Dutch insurer DELA and die Bayerische for online congress for brokers and advisors.
- JoonkominorPartnership with new financial portal Joonko for insurance distribution.
- Oberbank AGcorePartnership extended to 2030. Oberbank distributes insurance products through its branches. Long-standing cooperation since 2016.
- Barmenia KrankenversicherungcoreExclusive partnership since 2019 for private health insurance (PKV). Products distributed through Bayerische channels.
- Bayerische ProKunde AGcoreBundling of distribution activities in new subsidiary Bayerische ProKunde AG for exclusive sales force.
Scale indicators12 records
Recent moves8 records
Expansion highlights7 records
die Bayerische competitors and assessment
Company assessmentBroad incumbents
- Munich Re (Münchener Rück): World-leading reinsurer also headquartered in Munich. Comparable as a Munich-based insurance heavyweight, though Munich Re operates primarily in reinsurance and large corporate lines while die Bayerische competes in retail life and P&C. Parent of ERGO, which directly overlaps in retail insurance.
- Allianz SE: Global insurance and asset management leader and Germany's largest insurer. Directly comparable as a multi-line life, health, and P&C carrier serving German consumers and businesses, though with vastly greater scale, broader international footprint, and full asset management capabilities that overlap with Pangaea Life.
Direct peers
- R+V Versicherung: Cooperative insurer owned by DZ Bank Group, offering life, health, and P&C products across Germany. Comparable mid-to-large German mutual/cooperative structure with similar broker and bank distribution (Volksbanken, Raiffeisenbanken) and overlapping life/pension and BU offerings.
- BarmeniaGothaer: German mutual insurance group formed by merger of Barmenia and Gothaer; direct competitor in life, health, and P&C and a distribution partner of die Bayerische via compexx Finanz AG. Overlapping customer base and broker relationships across Germany.
- VHV Versicherungen: German mutual insurer with leading positions in motor, liability, and commercial P&C plus life/health supplements. Comparable mutual structure and overlapping broker distribution (Makler) especially in Kfz, Hausrat, and BU, with similar mid-sized scale.
- Debeka Versicherungen: Germany's largest mutual insurance group, historically serving civil servants (Beamte) with a similar public-sector heritage. Comparable product portfolio in life, health, P&C, and mutual governance structure; Debeka is much larger but competes head-on for the same Beamten niche and dental/health supplementary segments.
- Württembergische Versicherung: German mutual insurer owned by Wüstenrot & Württembergische offering life, health, and P&C with a strong south-German regional identity. Comparable mutual structure, product portfolio, and broker/agent distribution model, with similar size and target customer segments.
- ERGO Group (Munich Re): Direct retail insurance arm of Munich Re offering life, health, and P&C in Germany. Direct competitor across all of die Bayerische's product lines including dental supplements (ERGO Zahn), BU, and home insurance, with materially larger distribution and brand budget.
- HUK-Coburg Versicherungsgruppe: German mutual insurer specializing in auto and retail P&C with growing life and health business. Closely comparable business model (mutual structure), comparable size, and overlapping customer base in private motor, household, liability, and increasingly disability products.
Regional players
- SDK (Süddeutsche Krankenversicherung): German mutual insurer focused on health, BU, and life insurance with strong south-German presence. Comparable product mix and mutual governance, particularly competitive in dental supplementary and BU segments where die Bayerische is also differentiated.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks5 records
Key highlights7 records
Customer concentration
die Bayerische social profiles
Digital presencedie Bayerische compliance and trust
Trust signalCompliance20 records
die Bayerische financial estimates
Financial estimateRevenue estimate
Valuation estimate
die Bayerische leadership team
Management profileNumber of profiles
Profiles5 records
die Bayerische subsidiaries and ownership
Company hierarchySubsidiaries5 records
die Bayerische funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
die Bayerische M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about die Bayerische
What does die Bayerische do?
die Bayerische is a Munich-based insurance group that underwrites and distributes property & casualty cover (motor, household, building, liability, legal protection, pet), life and pension products (disability, private pension, company pension scheme), and supplementary health insurance (dental, hospital, full private health). Through the sub-brand Pangaea Life it also offers sustainable investment and pension products, while the "Prime" line bundles home, pet and combined-property cover for digital customers.
Is die Bayerische a public or private company?
die Bayerische is a private company. It is classified as unknown and is currently operating.
When was die Bayerische founded?
die Bayerische was founded in 1858. It employs 501 to 1,000 people.
Where is die Bayerische based?
die Bayerische is headquartered in Munich, Germany, in the Europe region.
How does die Bayerische make money?
Five revenue lines are on record. Property and Casualty Insurance (Komposit) is the primary driver. The others are life Insurance (Leben), health Insurance, asset Management (Pangaea Life) and distribution Revenue (Bayerische ProKunde AG).
Who are die Bayerische's main competitors?
Broad incumbents on record are Munich Re (Münchener Rück) and Allianz SE. Direct peers are R+V Versicherung, BarmeniaGothaer, VHV Versicherungen, Debeka Versicherungen, Württembergische Versicherung, ERGO Group (Munich Re) and HUK-Coburg Versicherungsgruppe. SDK (Süddeutsche Krankenversicherung) is listed as a regional player.
Does die Bayerische have an API?
No public API is recorded for die Bayerische.
What industry is die Bayerische in?
die Bayerische's product category is Insurance. Its primary akta.pro industry code is FSAIABAA, Whole Life Insurance. Its NAICS code is 52411 and its SIC code is 6311.