DONAU

What DONAU does

DONAU Versicherung AG Vienna Insurance Group is an Austrian insurance services provider headquartered at Schottenring 15, Vienna, founded in 1867 and operating as a wholly-owned subsidiary of Vienna Insurance Group (VIG), Austria's largest insurance conglomerate. The company underwrites a multi-line insurance portfolio across both retail (Privatkunden) and commercial (Geschäftskunden) segments, covering supplementary health (private doctor, hospital class, dental, nursing care, travel health, children's health), accident, household and homeowners property, motor vehicle, legal protection, and a full range of pension/wealth-building products including the state-subsidized Prämienbegünstigte Zukunftsvorsorge and fund-linked life insurance. Industry-specific solutions are offered for agriculture, healthcare professionals, management liability, and residential property. A sub-brand portfolio (Securmed Ambulant, Securmed Pflege, Securmed Junior, DONAU Aktiv) supports product differentiation within the health line.

The underlying technology stack is a standard insurance web platform with the Meine DONAU customer portal for policy management, claims submission, and document access. The company has built a partner ecosystem including TeleDoc (telemedicine with direct billing), Experta (vehicle damage assessment), Purpleview (live chat / co-browsing), and Twinformatics (ISO 27001-certified Austrian hosting). Marketing and analytics are delivered through a third-party stack (Google Analytics/Ads, Hotjar, Bloomreach, Criteo, Acoustic Campaign, Meta/LinkedIn/TikTok pixels). No proprietary AI/ML models or in-house data flywheel is disclosed. Supervised by Austria's Finanzmarktaufsicht (FMA), with services restricted to Austrian residents.

Revenue is generated through recurring insurance premiums across the multi-line portfolio (annual, semi-annual, quarterly, or monthly billing), with quotes requiring advisor or Serviceline contact and no public pricing. Go-to-market is hybrid: a network of financial advisors (Berater:innen), physical service points (Servicestellen), a broker portal (Maklerportal), phone Serviceline (050 330 330), live/video chat, direct online sales for select products (notably travel health), and the self-service Meine DONAU portal. Leadership transitioned in July 2026 with Harald Riener succeeding Judit Havasi as CEO.

Name

DONAU

Legal name

DONAU Versicherung AG Vienna Insurance Group

Website

https://donauversicherung.at

Company type

Private

Founded year

1867

Operating status

Operating

Headcount range

251–500 employees

Short description

DONAU Versicherung is an Austrian multi-line insurance provider and wholly-owned subsidiary of Vienna Insurance Group, offering supplementary health, accident, property, motor, legal, and pension products to retail and SME customers in Austria through an advisor, broker, and digital self-service distribution model.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Insurance (except Life, Health, and Medical) Carriers (52412), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Accident & Health Insurance (6321), Life Insurance (6311), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industries

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Medicare Supplement (Medigap) (FSAIAEAG)

Keywords

• Insurance services
• Health insurance
• Property insurance
• Life insurance
• Business insurance

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: DONAU generates revenue primarily through insurance premiums from multiple product lines including health insurance (supplementary), life insurance, accident insurance, property insurance (household, homeowners), motor insurance, legal protection insurance, and pension/vorsorge products. Premiums are collected on recurring basis (annual, semi-annual, quarterly, or monthly payment options).

Go-to-market motion2 records

Distribution channels7 records

Marketing channels11 records

Core offering

DONAU Versicherung provides a multi-line insurance portfolio in Austria, offering supplementary health, accident, property (household and homeowners), motor, legal protection, travel health, life and pension products to private customers, alongside business insurance packages, corporate pensions, business interruption coverage, and industry-specific solutions for small and medium enterprises. Insurance is sold through advisor networks, physical service points, broker portals, phone support, online self-service portal (Meine DONAU), and direct online sales for select products.

Product overview

DONAU Versicherung is a comprehensive insurance provider within the Vienna Insurance Group, offering a multi-product portfolio organized into personal lines (health, accident, property, legal) and commercial lines (business, industry solutions). Health insurance products include Securmed Ambulant (private physician), Sonderklasseversicherung (hospital class), Taggeldversicherung (daily hospital allowance), Securmed Zahn (dental), Securmed Pflege (nursing care), and Securmed Junior (children). Supplementary health offerings include DONAU Aktiv wellness benefits and TeleDoc telemedicine services. Accident coverage is provided through specialized accident insurance. Property insurance encompasses household, homeowners, cyber, and motor vehicle insurance. Legal protection and travel health insurance are also offered. For businesses, DONAU provides Betriebsversicherungen, Betriebliche Altersvorsorge corporate pensions, and industry-specific Branchenlösungen. Retirement and savings products include Bonus Pension (state-subsidized), Kombinierte Lebensversicherung, Sofort Pension, and fund-linked FondsSelect life insurance. The customer portal 'Meine DONAU' provides policy management access.

Differentiator

Problem solved

Functional benefit

Brands

• DONAU Aktiv: A wellness and health package offering over 200 wellness, leisure and fitness benefits.
• DONAU Securmed Ambulant
• DONAU Securmed Pflege
• DONAU Securmed Junior

Products and services

• DONAU Securmed Ambulant (Privatarztversicherung)

Segments5 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration19 records

Feature2 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• Vienna Insurance Group AG (VIG)coreStrategic or Co-development Partner · 1 July 2026DONAU Versicherung is a subsidiary of Vienna Insurance Group (VIG), Austria's largest insurance group. The group provides strategic direction, brand affiliation, and financial backing. Board changes are coordinated at group level, with Harald Riener becoming DONAU CEO effective July 1, 2026.
• TeleDoccoreTechnology or IntegrationTeleDoc provides telemedicine consultation services to DONAU private doctor insurance customers. Licensed general practitioners are available Monday through Sunday from 6:00 to 22:00. Customers can book appointments via app or website and consultations are directly billed to DONAU within the policy's annual maximum benefits.
• Experta Schadensregulierungs GmbHsupportingTechnology or IntegrationExperta handles vehicle damage inspections and assessment, including web-based processes for contract management, risk assessment, and damage claims processing. Located at Obere Donaustraße 49-51, 1020 Vienna.
• purpleview GmbHsupportingTechnology or IntegrationPurpleview provides live chat and co-browsing infrastructure for customer service on DONAU's website. Located at Kampstraße 6, 44137 Dortmund, Germany.
• twinformatics GmbHsupportingTechnology or IntegrationWeb hosting provider for DONAU's websites. Twinformatics operates ISO 27001:2013 certified data centers in Austria. Located at Obere Donaustraße 63, 1020 Vienna.
• Fjord Technologies (Commanders Act)supportingTechnology or IntegrationCommanders Act (TagCommander and TrustCommander) provides cookie consent management and tag management services. Located at 3 bis Rue Taylor, 75010 Paris, France.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Wiener Städtische Versicherung: Sister company under the Vienna Insurance Group umbrella, also offering a broad multi-line retail and commercial insurance portfolio in Austria with overlapping product range and shared distribution infrastructure.
• UNIQA Insurance Group AG: Austria's second-largest multi-line insurer with a directly overlapping retail and SME product portfolio (health, life, accident, property, motor) and a similar Austrian-focused advisor distribution model.
• Generali Versicherung AG (Austria): Major Austrian subsidiary of the Generali Group offering comparable life, health, and property/casualty products through advisor networks, directly competing with DONAU for premium in the same domestic market.
• Allianz Elementar Versicherungs-AG: Austrian arm of Allianz, offering overlapping life, health, property, and motor coverage and competing head-to-head with DONAU across both retail and commercial lines.
• Zürich Versicherungs-AG (Austria): Zurich's Austrian subsidiary offering multi-line personal and commercial insurance, competing for the same advisors, brokers, and direct customers as DONAU.
• Wüstenrot Versicherungs-AG (Austria): Austrian life and health insurer within the Wüstenrot Group, overlapping with DONAU on life, nursing care supplement, and pension products in the Austrian retail market.
• Helvetia Versicherungs-AG (Austria): Swiss-owned Austrian insurer offering comparable health, life, accident, and property products with similar emphasis on advisor-driven distribution to retail and SME clients.

Broad incumbents

• Allianz SE: Global P&C, life, and health insurance incumbent whose Austrian subsidiary competes with DONAU in the same market, providing a benchmark for scale, capital efficiency, and digital distribution strategies.
• VIENNA INSURANCE GROUP AG (VIG): Parent conglomerate of DONAU and other Central/Eastern European insurance subsidiaries, providing strategic direction, reinsurance, and balance sheet support across more than 25 markets.

Regional players

• ARAG Krankenversicherungs-AG (Austria): Specialized Austrian legal protection and supplemental health insurer with direct overlap in DONAU's legal protection and supplementary health lines, including dental and hospital indemnity products.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCBi9pKhXpXM1jfNQrTOmlyw
• Facebookfacebook.com/DONAUVersicherungAG
• LinkedInlinkedin.com/company/donau-versicherung-ag-vienna-insurance-group
• Instagraminstagram.com/donauversicherung
• TikToktiktok.com/@donauversicherung?lang=de-DE

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

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 DONAU