DR-WALTER

What DR-WALTER does

DR-WALTER GmbH is a German insurance broker and product designer founded in 1964 and headquartered in Neunkirchen-Seelscheid, North Rhine-Westphalia. The company specializes in travel and international health insurance for foreign visitors to Germany and Europe, German travelers going abroad, and institutional clients placing participants in international programs. Its portfolio is organized into incoming products (Provisit series for foreign guests, AU-PAIR24, EDUCARE24, German Student Insurance), outgoing products (PROTRIP, PROTRIP-WORLD), corporate/expat solutions (DIA-Weltpolice, Foyer Global Health, MIA, GOETHE-PLUS), and group/organizational solutions (Concept-Global, PROTRIP-WORLD-GRUPPE, Provisit-Gruppe, PROTRIP-WORLD-PLUS for Erasmus-Plus).

The technology layer consists of multiple segment- and language-specific portals (dr-walter.com, provisit.com, reiseversicherung.com, versicherungindeutschland.cn, erasmus-plus-versicherung.de, german-student-insurance.com) and self-service policy management and quoting tools (dr-walter-secure.de, quote.dr-walter-secure.de), supplemented by a phone-based service hotline. DR-WALTER does not underwrite risk itself; instead it co-develops products with capacity providers including Barmenia Krankenversicherung (DIA-Weltpolice, Provisit Come In, Concept-Global), Generali Deutschland Krankenversicherung (GOETHE-PLUS series), and Dialog Versicherung (Concept-Global).

Revenue mechanics are built on recurring monthly subscription premiums across individual and group contracts, with prices calibrated to age, duration, and visa-compliance tier — examples include Provisit Germany at EUR 38.50-111/month, Provisit Come In at EUR 99-650/month, and GOETHE-PLUS at EUR 8-16/day. Distribution is hybrid: direct-to-consumer through digital portals and phone, plus partner-mediated via au-pair agencies, language travel providers, insurance brokers, insurance pools, and selected exclusive partners (e.g., Concept-Global, Goethe-Institut). The company is privately held, family-owned, with no external institutional investors, and operates with 51-100 employees.

Name

DR-WALTER

Legal name

DR-WALTER GmbH

Website

https://dr-walter.com

Company type

Private

Founded year

1964

Operating status

Operating

Headcount range

51–100 employees

Short description

DR-WALTER GmbH is a German insurance broker and product designer, founded 1964, specializing in travel and international health insurance for foreign visitors, au-pairs, students, expats, and institutional clients placing participants in international programs, distributed via branded portals and partner channels.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Travel Medical & Health Insurance Platforms (THALALAC)

akta.pro secondary industries

Travel Medical Insurance (Individual) (FSAIAEAI), International/Expatriate Individual Health Insurance (FSAIAEAH), International Student Health & Travel Insurance (EDAIAMAA), International / Expatriate Group Health Plans (FSAIAFAJ), Underwriting, Pricing & Policy Administration (PAS) for Travel Insurance (THALALAK)

Keywords

• Travel insurance
• International health insurance
• Visa-compliant insurance
• Au-pair insurance
• Expat insurance

Headquarters

HQ city

Neunkirchen

HQ country

Germany

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. Individual Insurance Policies: Subscription-based monthly premiums charged for individual travel and international health insurance policies. Revenue generated from ongoing policy renewals and new policy sales across various product lines.
2. Group/Organization Insurance Plans: Customized insurance solutions for organizations including universities, language travel providers, exchange organizations, and NGOs. Individual enrollments within group contracts.
3. White Label and Special Solutions: Customized insurance products created for specific partner organizations, distributed under partner branding.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels5 records

Core offering

DR-WALTER designs, distributes, and brokers specialized travel and international health insurance products for foreign visitors to Germany/Europe and German-speaking travelers abroad. The portfolio includes visa-compliant incoming insurance (Provisit series), outgoing long-term travel insurance (PROTRIP/PROTRIP-WORLD), niche segment products for au-pairs (AU-PAIR24), language students (EDUCARE24), humanitarian workers (AIDWORKER), and corporate/expat products (DIA, Foyer Global Health, MIA, GOETHE-PLUS). Products are co-developed with underwriters including Barmenia, Generali, and Dialog, and delivered through digital self-service portals, phone hotline, and partner/broker networks.

Product overview

DR-WALTER is an insurance broker and product provider specializing in travel and international health insurance. The company operates a portfolio-based architecture with distinct product lines targeting different customer segments: (1) Incoming insurance products (Provisit series: Provisit Germany, Provisit Visum, Provisit Multipass, Provisit Student, Provisit Science, Provisit Study Secure, Provisit Come In) for foreign guests visiting Germany and Europe; (2) Outgoing insurance products (PROTRIP, PROTRIP-WORLD series) for German/Austrian travelers going abroad; (3) Specialized segment products including AU-PAIR24 for au-pairs, EDUCARE24 for language students, and AIDWORKER for humanitarian workers; (4) Corporate/expat products (DIA, Foyer Global Health, MIA, GOETHE-PLUS) for employees and organizations; and (5) Group/organizational solutions (PROTRIP-WORLD-GRUPPE, Provisit-Gruppe, Concept-Global) for institutions. The company acts both as insurance broker and product creator, designing products together with insurers like Barmenia, Generali, and Dialog.

Differentiator

Problem solved

Functional benefit

Brands

• AU-PAIR24: Insurance for au-pairs in Germany and Europe
• EDUCARE24
• PROTRIP
• PROTRIP-WORLD
• Provisit Student
• Provisit Visum
• Provisit Germany
• GOETHE-PLUS
• AIDWORKER
• DIA-Weltpolice
• Foyer Global Health
• MIA-EASY
• MIA-PLUS
• Concept-Global
• DEUTSCHE REISEVERSICHERUNG (DRV24)

Products and services

• AU-PAIR24 Comprehensive insurance package for host families in Germany insuring foreign au-pairs, including health, liability, accident, and visa-compliant coverage.
• EDUCARE24 Private health insurance for foreign language students, college students, interns, and pre-study course participants in Germany.
• PROTRIP Long-term travel insurance for au-pairs, language students, and other long-term travelers up to age 69, covering trips from 1 month to 5 years.
• PROTRIP-WORLD International travel insurance for travelers up to age 69 including au-pairs, high school, language and exchange students, work-and-travel participants, volunteers, doctoral candidates, and tourists.
• PROVISIT-VISUM Budget travel insurance for foreign guests staying in Germany or the EU for up to 6 months, meeting Schengen visa requirements.
• Provisit Germany Insurance combination for foreign guests staying in Germany and Europe for one year or longer, including health, private liability, accident, and deportation cost coverage.
• PROVISIT-MULTIPASS Insurance for foreign guests covering unlimited stays in Germany and Europe.
• Provisit Come In Substitutive private full health insurance for international professionals in Germany, offering coverage up to 60 months with automatic transition to an unlimited Barmenia tariff thereafter.
• Provisit Student Private full health insurance for foreign students and graduates over 38 years old in Germany.
• Provisit Science Health insurance for guest scientists, postdocs, doctoral candidates, and scholarship holders in Germany.
• Provisit Study Secure

Segments9 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered core.

• Barmenia Krankenversicherung AGcoreTechnology or IntegrationCo-developer of insurance products including Concept-Global and Provisit Come In. Barmenia provides the underlying insurance coverage while DR-WALTER handles product design, distribution, and customer service.
• Dialog Versicherung AGcoreTechnology or IntegrationCo-creator of Concept-Global insurance product for language travel providers and exchange organizations. Provides insurance capacity and product components.
• Generali Deutschland KrankenversicherungcoreTechnology or IntegrationPartner in developing GOETHE-PLUS and GOETHE-PLUS-RK insurance products for Goethe-Institut employees and German overseas school staff.
• Various Insurance Providers (Versicherer)coreTechnology or IntegrationNetwork of insurance company partners providing coverage for DR-WALTER's diverse product portfolio, including travel insurance, international health insurance, and specialized niche products.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Care Concept AG: German insurance broker specializing in incoming travel, visa, and student health insurance for foreigners visiting Germany. Directly competes with DR-WALTER across Provisit-style products and au-pair/student segments.
• Mawista GmbH: Specialist in international health insurance for au-pairs, students, and language travelers in Germany and Europe. Closely mirrors DR-WALTER's AU-PAIR24 and EDUCARE24 product positioning with a similar partner-driven distribution model.
• HanseMerkur Reiseversicherung AG: German travel health and travel insurance carrier offering products for long-term travel, students, and au-pairs. Competes directly with DR-WALTER's PROTRIP-WORLD and visa-compliant health offerings, while also acting as a carrier in some niches.

Broad incumbents

• Allianz Care: Global health and international health insurance arm of Allianz Partners serving expatriates, students, and corporate clients. Overlaps with DR-WALTER's DIA/Foyer Global Health-type expat products but operates at significantly larger scale and broader geographic scope.
• Cigna Global Health: Worldwide provider of international health insurance for individuals, families, and corporate expats. Competes with DR-WALTER in the expat/globally mobile segment at a premium tier with broader provider networks.
• ADAC Versicherung AG: Large German consumer insurance brand offering travel health, trip cancellation, and long-stay travel products to a broad German consumer base. Overlaps with DR-WALTER's DRV24 and PROTRIP-WORLD product lines but serves a wider, less niche audience.

Others

• Barmenia Krankenversicherung AG: German health insurer that is DR-WALTER's core capacity partner for DIA-Weltpolice, Concept-Global, and Provisit Come In. Functions as both supplier and indirect competitor where Barmenia distributes similar travel health products through its own channels.
• Techniker Krankenkasse (TK): Largest German statutory health insurer, partnered with DR-WALTER for the "DR-WALTER TK" product for foreign visitors. Functions as a competitive alternative for international students eligible for statutory coverage, partly overlapping with EDUCARE24 and Provisit Student.

Emerging players

• SafetyWing: Digital-first insurtech selling global travel medical insurance and "Nomad Insurance" to remote workers and long-term travelers. Targets the digital-nomad segment adjacent to DR-WALTER's Foyer Global Health / Provisit Come In products with a frictionless online UX.
• Feather Insurance: Berlin-based digital insurance broker simplifying expat and international health insurance for newcomers to Germany. A digitally native emerging competitor for the same incoming-internationals segment DR-WALTER serves via Provisit and reiseversicherung.com.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 DR-WALTER