Gothaer Group

What Gothaer Group does

Gothaer Group is a German mutual insurance company founded in 1820, headquartered in Cologne, Germany, operating across health, life, property & casualty, pensions, and specialty insurance lines. Following the 2023 merger with Barmenia, the combined entity operates as BarmeniaGothaer, one of the largest mutual insurance groups in Germany with 5,001-10,000 employees. Gothaer's core product portfolio spans private health insurance (full and supplementary coverage), life and pension products (term life, Rürup-Rente, Riester-Rente, company pensions, immediate annuities), property & casualty (motor vehicle, household, building, liability, legal protection), pet insurance, and specialty coverage (photovoltaic, wind energy, cyber, art, film, fleet). Subspecialty units include Gothaer Lebensversicherung AG (life), Gothaer Pensionskasse AG (pension fund), and Gothaer Schaden-Service-Center GmbH (claims processing). The group is certified under ISO/IEC 27001 information security standards since 2008, most recently recertified September 2023.

Name

Gothaer Group

Legal name

Gothaer Versicherungen

Website

https://gothaer.de

Company type

Private

Founded year

1820

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Gothaer Group is a German mutual insurance company founded in 1820 that offers comprehensive health, life, property & casualty, pension, and specialty insurance products to individual consumers, businesses, civil servants, and self-employed professionals across Germany through field advisors, digital portals, and partnerships.

Ownership category

akta.pro rank

Product category

Multi-line Insurance

NAICS

Insurance Carriers (5241), Direct Property and Casualty Insurance Carriers (524126), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industries

Personal Umbrella Insurance (FSAJANAA), Group AD&D (Standalone or Bundled with Life) (FSAIADAG), Baggage & Personal Effects Insurance (FSAJAJAE)

Keywords

• Mutual insurance company
• Property casualty insurance
• Private health insurance
• Pension retirement products
• Specialty insurance coverage

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance (Private Krankenversicherung): Private health insurance products including full coverage (Krankenvollversicherung), supplementary health insurance (Krankenzusatzversicherung), dental, hospital, and ambulatory add-on coverage. Caters to high-income individuals, self-employed professionals, and civil servants.
2. Property & Casualty Insurance: Motor vehicle insurance (KFZ), building/home insurance (Wohngebäude, Hausrat), liability insurance (Haftpflicht), legal protection (Rechtsschutz), accident insurance, and specialty coverage for collectibles, art, and exhibitions.
3. Life Insurance & Pensions: Life insurance products including capital life insurance (Kapitallebensversicherung), term life (Risikolebensversicherung), various pension products including Rürup-Rente (basis pension), Riester-Rente, company pensions (Betriebliche Altersvorsorge), and annuity products.
4. Pension Fund Management: Gothaer Pensionskasse acts as a dedicated pension fund providing retirement solutions for employees of partner companies with tax advantages for employers.
5. Pet Insurance: Pet health insurance for dogs, cats, and horses, along with pet liability coverage.
6. Investment Products: Savings and investment products including Parkkonto (parking account), investment funds, real estate financing, building society products, and index-linked products like IndexProtect.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Gothaer Group is a German mutual insurance company that sells a comprehensive portfolio of insurance and financial products to individuals, families, civil servants, self-employed professionals, and businesses. Core offerings span private health insurance, supplementary health coverage (dental, hospital, outpatient), property and casualty insurance (motor vehicle, household, building, liability, legal protection), life and pension products (term life, Rürup-Rente, Riester, company pensions), specialty insurance (pet, hunting, yacht, art, film, drone, photovoltaic, cyber), and investment/savings products. Distribution combines a nationwide field-advisor network with the Meine Gothaer digital customer portal and online sales platforms.

Product overview

BarmeniaGothaer is a major German insurance group formed by the merger of Barmenia and Gothaer in 2024, offering a comprehensive portfolio of insurance and financial products. The product range includes: personal insurance products (health insurance, dental supplements, hospital supplements, outpatient supplements, travel insurance, accident insurance, occupational disability insurance); property and casualty insurance (vehicle insurance, household contents, buildings, liability, legal protection, cyber insurance); life and pension products (term life, annuity insurance, fund-based pensions, Rürup-Rente, company pension schemes including direct insurance and pension funds); investment and savings products (investment funds, Index Protect, parking account, immediate annuity); pet insurance; and specialty insurance (photovoltaic, wind energy, art, film). The company also provides digital services including the 'Meine Gothaer' customer portal, telemedicine via MediApp, and online damage reporting. Products are offered through both digital channels and a network of field advisors.

Differentiator

Problem solved

Functional benefit

Brands

• Meine Gothaer: Customer portal for Gothaer insurance customers to manage their policies, report claims, and access digital services
• Gothaer Schaden-Service-Center
• BarmeniaGothaer Asset Management
• GoVital

Products and services

• Zahnzusatzversicherung (Supplementary Dental Insurance) Supplementary dental insurance covering up to 100% of dental and jaw treatment costs with no waiting periods, starting at EUR 4.60/month; cancellable daily. Targeted at individuals and families seeking to close gaps left by statutory health insurance.
• Private Krankenvollversicherung (Private Full Health Insurance) Full private health insurance with customizable tariffs, possible premium refunds, and comprehensive coverage for individuals, civil servants (Beamte), self-employed professionals, and high-income employees.
• Krankenhauszusatzversicherung (Hospital Supplementary Insurance) Hospital supplementary insurance providing upgraded clinic benefits, single-room accommodation, and rooming-in for parents with hospitalized children.
• Ambulante Zusatzversicherung (Outpatient Supplementary Insurance) Outpatient supplementary insurance covering up to 100% of preventive examinations, medications, and therapeutic aids beyond statutory coverage.
• Krankentagegeld (Daily Hospital Allowance Insurance) Daily allowance insurance providing income continuation during illness for self-employed and employed policyholders.
• Pflegemonatsgeld (Long-term Care Monthly Allowance) Monthly nursing-care allowance providing financial support when long-term care becomes needed, marketed especially to civil servants and families.
• Dread Disease (Severe Illness Insurance) Severe illness insurance providing financial relief to policyholders and families upon diagnosis of a serious illness.
• MediApp Telemedicine Service Telemedicine service providing remote medical consultations via app, integrated into MediApp tariff for eligible Gothaer customers.
• KFZ-Versicherung (Motor Vehicle Insurance) Motor vehicle insurance with foreign damage protection, premium benefits, and favorable initial classification options, starting at EUR 16.70/month with individual expansion options.
• Motorradversicherung (Motorcycle Insurance) Motorcycle insurance providing comprehensive protection for motorcycles with digital services and modular extensions.
• Oldtimerversicherung (Classic Car Insurance) Classic car insurance protecting historic vehicles with appreciation-value consideration; Oldtimersammlungsversicherung covers collections.
• Fahrradversicherung (Bicycle Insurance) Bicycle insurance starting at EUR 3.45/month with new-value compensation, Europe-wide breakdown assistance and pickup service, plus theft protection for bike, luggage, and accessories.
• Drohnenversicherung (Drone Insurance) Drone liability insurance covering damages arising from private or commercial drone operation, listed under Haftung & Recht.
• Hausratversicherung (Household Contents Insurance) Household contents insurance starting at EUR 2.66/month covering gross negligence and natural hazard damage with comprehensive protection for household belongings.
• Wohngebäudeversicherung (Residential Building Insurance) Residential building insurance protecting homes from damage caused by fire, storm, hail, and water.
• Elementarversicherung (Natural Hazard Insurance) Elementary insurance protecting homes from extreme weather and natural disasters, offered as a stand-alone or add-on to Wohngebäudeversicherung.
• Privathaftpflichtversicherung (Private Liability Insurance) Private liability insurance protecting policyholders against third-party claims for bodily injury, property damage, and financial loss.
• Tierhalterhaftpflicht (Pet Owner Liability Insurance) Pet owner liability insurance covering damages caused by pets, including dogs, cats, and horses.
• Jagdhaftpflicht (Hunting Liability Insurance) Hunting liability insurance protecting hunters against third-party claims arising from hunting activities; supplemented by Tagesjagdscheinversicherung, Bewegungsjagdversicherung, and Jagd- und Sportwaffenversicherung.
• Skipperhaftpflichtversicherung (Skipper Liability Insurance) Skipper liability insurance protecting skippers, crew, and chartered boats worldwide, offered in EUR 5 million or EUR 10 million coverage tiers; covers person and property damage, gross-negligence damages to chartered yachts up to EUR 750,000, and security payments up to EUR 100,000 for foreign-port confiscations.
• Boots-/Yachtversicherung (Boat & Yacht Insurance) Boat and yacht insurance covering watercraft against damage and total loss, paired with Bootshaftpflicht (boat liability).
• Rechtsschutzversicherung (Legal Protection Insurance) Legal protection insurance covering legal costs and providing access to legal counsel for private and commercial disputes.
• Cyber-Versicherung (Cyber Insurance for Businesses) Cyber insurance for businesses covering digital risks, data breaches, and cyber-attack losses, marketed to Unternehmen & Betriebe (commercial clients).
• Flottenversicherung (Commercial Fleet Insurance) Fleet insurance for businesses covering multiple vehicles under a single commercial policy.
• Photovoltaikversicherung (Photovoltaic Insurance) Photovoltaic insurance covering solar panel installations against damage and loss, available to private and commercial operators.
• Windenergieversicherung (Wind Energy Insurance) Wind energy insurance covering wind-turbine installations against damage, loss, and operational interruption.
• Kunstversicherung (Art Insurance) Art insurance protecting valuable art collections and individual artworks against damage and theft, paired with Ausstellungsversicherung and Valorenversicherung.
• Filmversicherung (Film Insurance) Film insurance covering production equipment and production risks for film projects under Spezialversicherungen.
• Reiseversicherungen (Travel Insurance) Travel insurance starting at EUR 2.40/month covering travel medical, travel accident, baggage, travel liability, and trip cancellation for individuals and families worldwide.
• Private Unfallversicherung (Personal Accident Insurance) Personal accident insurance providing financial protection in case of permanent disability from accidents.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Occupational disability insurance protecting policyholders' earning capacity and providing financial security if they become unable to work in their profession.
• Grundfähigkeitsversicherung (Basic Abilities Insurance) Basic abilities insurance protecting important capabilities such as walking, hearing, or lifting to prevent income gaps.
• Risikolebensversicherung (Term Life Insurance) Term life insurance protecting loved ones with high coverage amounts at low premiums, typically bundled with mortgage and family-protection advice.
• Sterbegeldversicherung (Burial Expense Insurance) Burial expense insurance covering funeral costs to relieve the financial burden on surviving family members.
• Private Fondsrente (Fund-based Private Pension) Fund-based pension product providing market-return upside with flexible provision combined with private security.
• Rentenversicherung / GarantieRente Invest (Unit-linked Annuity Insurance) Annuity insurance (including GarantieRente Invest) providing guaranteed returns combined with flexible investment strategies.
• Sofortrente (Immediate Annuity) Immediate annuity converting a one-time capital payment into lifelong monthly payments starting immediately after contract conclusion.
• Rürup-Rente (Basisrente) State-subsidized retirement provision with tax advantages specifically designed for self-employed, freelancers, and high-income employees under German tax law.
• Direktversicherung (Direct Insurance bAV) Direct insurance as part of company pension schemes (bAV) with tax advantages channeled through the employer.
• Gothaer Pensionskasse (Company Pension Fund) Pension fund operated by Gothaer Pensionskasse AG providing employee retirement solutions with tax-free employer contributions and no requirement for the employer to post pension reserves on its balance sheet.
• Betriebliche Altersvorsorge (bAV) Company pension provision (bAV) enabling employees to build retirement savings through salary conversion, coordinated with Direktversicherung and Pensionskasse.
• Gothaer Index Protect Index-protected investment product combining index-linked upside with guaranteed protection; sustainability variant uses Multi Asset Strategie ESG.
• Parkkonto (Parking Savings Account) Capital savings account offering 2.3% return after costs, flexible terms of 1 month to 5 years, minimum investment of EUR 5,000, additional deposits from EUR 1,000, partial withdrawals from EUR 1,000, and an optional lifetime annuity.
• Investmentfonds und Vermögensverwaltende Fonds (Investment and Asset-Management Funds) Investment funds and asset-management funds offering diversified solutions for various investor needs and risk profiles via BarmeniaGothaer Asset Management.
• Baufinanzierung (Real Estate Financing) Construction financing and real-estate loans offered in partnership with Wüstenrot.
• Bausparen (Building Society Savings) Building society savings with favorable loan terms via Wüstenrot partnership, including quick allocation and interest discounts on sums from EUR 100,000.
• Meine Gothaer (Customer Portal & Mobile App) Digital customer portal (web and mobile app) providing 24/7 access to insurance overviews, advisor contact, policy management, damage reporting, and service requests.
• GoVital Bonus Program Health-incentive program for Gothaer life insurance customers rewarding healthy behaviors with bonus benefits.

Quantifiable outcome

• 100% cost coverage for dental treatments with dental supplementary insurance
• +2 more outcomes

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• WüstenrotminorChannel Partner/ Reseller/ DistributorWüstenrot acts as a partner for building society products (Bausparen) offered through BarmeniaGothaer. Wüstenrot provides the underlying building savings and loan products that are distributed through BarmeniaGothaer advisors and platforms.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• HUK-COBURG: Germany's largest mutual insurer (Versicherungsverein auf Gegenseitigkeit), offering motor, household, liability, legal protection, health, and life insurance through a comparable tied-agent model. Closely comparable to Gothaer on mutual ownership, multi-line breadth, and reliance on a field advisor network.
• ERGO Group: Munich Re's primary German insurance arm, offering health, life, and P&C through a multi-channel model combining tied agents, direct, and digital. Comparable to Gothaer in multi-line breadth, German-market focus, and post-merger-style integration history within the Munich Re group.
• R+V Versicherung: Cooperative insurer affiliated with the Volksbanken Raiffeisenbanken, offering a full multi-line insurance portfolio through a tied-agent and bank-channel model. Comparable to Gothaer in cooperative/mutual-style ownership, comprehensive product breadth, and German-market focus.
• Debeka: German mutual insurer with leading positions in private health, life, and P&C, distributed primarily through a field advisor network. Comparable to Gothaer on mutual structure, German-market focus, and product mix skewed toward health and supplementary coverages.
• Talanx / HDI: German insurance group operating HDI, Hannover Re-linked entities, and lifestyle-protection brands, offering multi-line life, P&C, and specialty coverage. Comparable to Gothaer in product breadth, German focus, and mid-tier market positioning among mutual/integrated insurers.

Broad incumbents

• Generali Deutschland: German arm of Generali Group providing life, health, P&C and specialty insurance. Comparable to Gothaer in multi-line product offerings and German focus, but backed by a global parent.
• AXA Germany: German subsidiary of AXA offering health, life, motor, household, and liability insurance. Comparable to Gothaer on multi-line product set and German-market focus, but operating as part of a globally integrated insurance group.
• Allianz Germany: The German retail arm of Allianz SE, offering multi-line life, health, P&C, and asset management products with a much larger parent. Comparable to Gothaer in product breadth and German-market focus, but materially larger and globally backed.
• Zurich Insurance Germany: German retail and commercial operations of Zurich Insurance Group offering motor, household, liability, and life products. Comparable to Gothaer in product breadth and German focus, with the scale of a global insurer.

Regional players

• Versicherungskammer Bayern (VKB): Public-sector mutual insurer dominant in Bavaria, offering health, life, and P&C products. Comparable to Gothaer on mutual structure and multi-line product set, but focused on the Bavarian regional market rather than competing nationally across Germany.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/barmeniagothaer
• Xx.com/gothaer
• Facebookfacebook.com/gothaer

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Gothaer Group