Ärzteversorgung Westfalen-Lippe

What Ärzteversorgung Westfalen-Lippe does

Ärzteversorgung Westfalen-Lippe (ÄVWL) is a statutory occupational pension fund (berufsständisches Versorgungswerk) and public law corporation (Körperschaft des öffentlichen Rechts) headquartered in Münster, Germany. Established in 1960 as an institution of the Ärztekammer Westfalen-Lippe and supervised by the NRW Ministry of Finance, ÄVWL provides mandatory old-age, disability, and survivors' pensions to physicians practicing in the Westfalen-Lippe region. The fund operates under self-administration by the medical profession and is legally represented by the President of the Ärztekammer Westfalen-Lippe, Dr. med. Johannes Albert Gehle.

The product set comprises four core benefit lines — Altersrente (old-age pension), Berufsunfähigkeit und Rehabilitation (disability and rehabilitation), Hinterbliebenenrente (survivors' pension), and Höherversicherung (supplementary voluntary insurance) — delivered alongside the ÄV-Portal, an online self-service member portal. Underlying operations are built on an occupational pension management platform with member portal access, telephone hotlines for member/pension/technical/loan queries, and SEPA-based direct-debit contribution collection through employers.

The revenue model is predominantly recurring contribution income: self-employed physicians pay a fixed multiple of the average contribution (mandatory 1.3x, with optional 1.2x at €19,584/year or 1.1x at €17,952/year), while employed members contribute 18.6% of gross salary above a €8,050/month threshold. As of December 31, 2025, ÄVWL managed 50,424 active members, €15.7 billion in investments, and €16.0 billion in total capital, with FY2025 contribution income of €718.8 million, investment income of €722.1 million, and benefits paid of €698.6 million. Net capital return was 4.0% on the deposit premium and 4.9% on actuarial reserves.

Name

Ärzteversorgung Westfalen-Lippe

Legal name

Ärzteversorgung Westfalen-Lippe, Einrichtung der Ärztekammer Westfalen-Lippe - Körperschaft des öffentlichen Rechts

Website

https://aevwl.de

Company type

Private

Founded year

1960

Operating status

Operating

Headcount range

11–50 employees

Short description

Ärzteversorgung Westfalen-Lippe is a statutory German occupational pension fund, founded in 1960, that provides mandatory old-age, disability, survivors', and supplementary pensions to physicians practicing in the Westfalen-Lippe region.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund

NAICS

Pension Funds (525110), Health and Welfare Funds (525120), Other Insurance Funds (525190)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

Keywords

• Occupational pension fund
• Retirement benefits
• Disability pension
• Survivors pension
• Supplementary insurance

Headquarters

HQ city

Münster

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Pension contributions (mandatory): Mandatory contributions from self-employed and employed doctors in the Westfalen-Lippe region. Self-employed pay 1.3 times the average contribution; employed members pay 18.6% of gross salary up to the income threshold.
2. Supplementary insurance: Voluntary additional pension contributions for members seeking benefits greater than the maximum basic pension contributions. Allows personalized customization of future security.
3. Investment income: Returns from investment portfolio including real estate, international diversification, infrastructure investments, and capital market investments. Total investments of €15,745.7 million generating €722.1 million investment income.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Ärzteversorgung Westfalen-Lippe (ÄVWL) is a statutory occupational pension fund (berufsständisches Versorgungswerk) for doctors practicing in the Westfalen-Lippe region of Germany, providing mandatory old-age pensions, disability pensions, rehabilitation benefits, and survivors' pensions. The fund also offers voluntary supplementary insurance and an online ÄV-Portal for member self-service. It operates as a public law corporation (Körperschaft des öffentlichen Rechts) under the self-administration of the medical profession.

Product overview

Ärzteversorgung Westfalen-Lippe (ÄVWL) is an occupational pension fund (berufsständisches Versorgungswerk) providing retirement and insurance benefits to physicians in the Westfalen-Lippe region. The offering consists of core pension products (old-age pension, disability pension, and survivors' pension), a supplementary insurance module (Höherversicherung) for enhanced coverage, and the ÄV-Portal member portal for digital self-service access to contributions, pension statements, and account management.

Differentiator

Problem solved

Functional benefit

Products and services

• Altersrente (Old-Age Pension) Lifelong retirement pension benefits paid to members from the standard retirement age, financed through mandatory contributions.
• Berufsunfähigkeit und Rehabilitation (Disability Pension and Rehabilitation) Disability pensions and rehabilitation benefits provided when members become unable to work due to occupational disability.
• Hinterbliebenenrente (Survivors' Pension) Pension benefits paid to surviving dependents (spouse and children) after the death of a member.
• Höherversicherung (Supplementary Insurance)

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Ärztekammer Westfalen-LippecoreOthersParent institution. ÄVWL is an Einrichtung der Ärztekammer Westfalen-Lippe (institution of the Medical Association). The pension fund operates under the self-administration of the medical profession and is subject to supervision by the NRW Ministry of Finance.

Scale indicators9 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• Bayerische Ärzteversorgung: Statutory occupational pension fund for doctors in Bavaria, operating under the same berufsständische Versorgungswerk model as ÄVWL with mandatory membership and identical product structure (old-age, disability, survivors' pensions). Closest structural analogue, just in a different German region.
• Versorgungswerk der Ärztekammer Berlin: Statutory pension fund for doctors in Berlin. Shares the same legal framework (Körperschaft des öffentlichen Rechts), mandatory-membership GTM, and product set as ÄVWL, serving a comparable professional population in a different state.
• Versorgungswerk der Landesärztekammer Hessen: Hessian doctors' pension fund with mandatory enrolment and the same Versorgungswerk legal structure. Directly comparable in operating model, product offerings, and regulatory supervision by a state ministry.
• Ärzteversorgung Niedersachsen: Statutory pension provider for doctors in Lower Saxony under the Ärztekammer Niedersachsen. Operates the same mandatory-membership Versorgungswerk model and serves as a direct geographic and structural peer to ÄVWL.
• Sächsische Ärzteversorgung: Saxony's doctors' pension fund operating the same mandatory-membership berufsständische Versorgungswerk model. Comparable in scale and product set, differing only in geographic coverage.
• Ärzteversorgung Schleswig-Holstein: Doctors' pension fund for Schleswig-Holstein under the same mandatory Versorgungswerk framework. Directly comparable in product offerings, GTM, and regulatory oversight by the respective state ministry.

Emerging players

• Versorgungswerk der Zahnärztekammer Nordrhein: Pension fund for dentists in the North Rhine region, operating under the same Versorgungswerk legal framework as ÄVWL but serving a different professional segment (dentistry vs. medicine). Comparable in structure, regulatory regime, and product offerings.
• Versorgungswerk der Rechtsanwälte im Lande Nordrhein-Westfalen: Statutory pension fund for lawyers in North Rhine-Westphalia, operating under the same public-law framework and supervised by the NRW Ministry of Finance. Comparable structurally, differing only in covered profession (legal vs. medical).

Broad incumbents

• BVV Versicherungsverein des Bankgewerbes a.G. Major German occupational pension provider for the banking sector, operating as a mutual insurer (Versicherungsverein auf Gegenseitigkeit). Shares the German berufsständische pension model but at a much larger scale and serving a different profession.
• Deutsche Rentenversicherung Westfalen: Regional branch of the German statutory pension insurance system covering Westfalen. Doctors can be exempted from Deutsche Rentenversicherung in favor of ÄVWL membership, making this an adjacent — and partly substitutable — pension provider in the same geography.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Ärzteversorgung Westfalen-Lippe