Inter

What Inter does

INTER Versicherungsgruppe is a Mannheim, Germany-based insurance group operating continuously since 1926, organized around two core legal entities: INTER Krankenversicherung AG, a licensed private health insurer (PKV), and INTER Allgemeine Versicherung AG, a general (property and liability) insurer. The group serves individual consumers, self-employed professionals, physicians, tradespeople, civil servants, and small-to-medium enterprises through a diversified product portfolio covering full and supplementary private health insurance, property and liability coverage (including cyber, photovoltaic, hunting liability, and trade-specific business insurance), and pension/investment products (fund-based, Rürup basic pension, occupational disability, and term life). The operating technology consists of a standard insurance back-office paired with the Meine INTER digital customer portal and mobile app for policy management, claims submission, and document access; the company also integrates partner-provided digital services such as the Evela Health menopause support offering (announced February 2026).

The business model is built on recurring subscription-style insurance premiums, with pricing determined individually by risk factors (age, health status, profession, coverage scope) rather than published list pricing. Distribution is dual-channel: a Germany-wide network of independent insurance brokers and advisors (Vermittler), accessible via postal code search on the corporate website, is the primary route for complex products, while direct digital self-serve channels handle simpler products such as travel health, dental supplemental, and cyber insurance. Specialized service divisions target professional segments — INTER Ärzte Service for physicians and INTER Handwerker Service for tradespeople — supported by sub-brands including the INTER MeineGesundheit Smart tariff (self-employed) and the PKV-Wissen knowledge platform. The group celebrated its 100th anniversary in 2026, achieved Platz 2 of 25 in the Metzler Meta-Rating (Platz 1 in financial strength), and won the Makler-Champions 2026 Gold Award for commercial property insurance.

Name

Inter

Legal name

INTER Krankenversicherung AG

Website

https://Inter.de

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

Keywords

• Private health insurance
• Supplementary health coverage
• Property and liability insurance
• Occupational disability insurance
• Pension and wealth products

Headquarters

HQ city

Mannheim

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Private Health Insurance (PKV): Core revenue stream from private health insurance products including full coverage, supplemental, and travel health insurance for individuals and families across various professional categories.
2. Property and Liability Insurance: Revenue from property insurance (homeowners, renters), liability insurance, photovoltaic insurance, hunting liability, and business insurance products for tradespeople and businesses.
3. Pension and Investment Products: Revenue from fund-based pension insurance (fondsgebundene Rentenversicherung), basic pension (Rürup-Rente), occupational disability insurance, and survivor benefits products.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

INTER Versicherungsgruppe is a German insurance group founded in 1926 that sells private health insurance (PKV), supplementary health coverage, property and casualty insurance, occupational disability insurance, and pension/wealth products to individuals, self-employed professionals, and small-to-medium enterprises. The group operates through two core subsidiaries—INTER Krankenversicherung AG for health insurance and INTER Allgemeine Versicherung AG for general/property insurance—and maintains dedicated service lines for physicians (INTER Ärzte Service) and tradespeople (INTER Handwerker Service), with distribution via a Germany-wide broker network and direct digital sales.

Product overview

INTER Versicherungsgruppe is a German insurance group offering a comprehensive portfolio of insurance and financial products. The core offering centers on private health insurance (PKV) and supplementary health coverage, complemented by property and liability insurance, occupational provision products, and specialized services for specific professional groups. The product architecture consists of core health insurance products supported by specialized sub-brands including INTER MeineGesundheit Smart (self-employed health tariff), INTER Ärzte Service (medical professionals), INTER Handwerker Service (tradespeople), and PKV-Wissen (educational platform). The company also provides digital services through its Meine INTER customer portal and mobile app, and has partnered with Evela Health for digital menopause support. The company celebrated its 100th anniversary in 2026.

Differentiator

Problem solved

Functional benefit

Brands

• INTER Ärzte Service: Comprehensive protection and attractive service offerings for physicians and medical professionals.
• INTER Handwerker Service

Products and services

• Private Krankenversicherung (PKV) Comprehensive private health insurance for individuals across professional categories (employees, self-employed, entrepreneurs, doctors, dentists, civil servants, medical trainees). The INTER MeineGesundheit Smart tariff offers benefits that strengthen as policyholders age.
• Private Krankenzusatzversicherung (Supplementary Health Insurance) Supplementary health insurance line covering dental, hospital, outpatient, daily hospital allowance, daily sickness allowance, and travel health coverage to complement statutory public health insurance.
• Pflegeversicherung (Nursing Care Insurance) Nursing care insurance including daily nursing care allowance and mandatory nursing care insurance (Pflegepflichtversicherung).
• Cyberversicherung (Cyber Insurance) Cyber insurance providing protection against online crime for personal and business customers.
• Personal Property and Liability Insurance Personal lines property and liability coverage including household contents (Hausrat), personal liability (Haftpflicht), residential building (Wohngebäude), photovoltaic, and hunting liability insurance for individuals.
• Business Insurance for Trades and SMEs Business insurance products for tradespeople and small/medium enterprises including business liability (Betriebshaftpflicht, including construction-trade variant), business building, business contents, business interruption, electronics, and machinery insurance.
• Berufsunfähigkeitsversicherung (Occupational Disability Insurance) Occupational disability insurance protecting income against inability to work, supplemented by accident insurance (Unfallversicherung) under the existential protection line.
• Pension and Wealth Products Retirement and wealth products including fund-based pension insurance (Fondsgebundene Rentenversicherung), state-subsidized basic pension (Rürup-Rente), term life insurance (Risikolebensversicherung), funeral cost insurance (Sterbegeldversicherung), and company-provided insurance for employees through deferred compensation (Direktversicherung).
• INTER MeineGesundheit Smart Specialized private health insurance tariff tailored for self-employed individuals and business founders, designed to provide particularly strong benefits as policyholders age and health needs increase.
• INTER Ärzte Service Dedicated service and insurance offering for physicians and medical professionals, including practice interruption insurance (Praxisausfallversicherung), practice contents insurance (Praxisinhaltsversicherung), and electronics insurance for medical practitioners.
• INTER Handwerker Service Individualized insurance concepts for tradespeople and craftsmen, with specialized business liability coverage for the construction industry.
• Meine INTER (Customer Portal and Mobile App) Digital customer portal and mobile app allowing policyholders to manage contracts, submit claims, access documents, and use the postbox from desktop or smartphone.

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• Evela HealthcoreStrategic or Co-development Partner · 1 February 2026INTER Versicherungsgruppe formed a strategic partnership with Evela Health starting February 1, 2026, to strengthen focus on women's health issues, specifically providing digital support during menopause. The collaboration aims to integrate digital health services into INTER's health insurance offerings.
• bettergrünminorStrategic or Co-development PartnerINTER offers sustainable insurance options through partnership with bettergrün, allowing customers to insure with environmental consciousness through this collaboration.

Scale indicators3 records

Recent moves5 records

Expansion highlights4 records

Broad incumbents

• Allianz Private Krankenversicherung: Allianz operates Germany's market-leading PKV business within a global multi-line insurance and asset management platform — overlaps with INTER on core health products but operates at significantly greater scale and brand reach.
• AXA Konzern AG (Germany): AXA's German arm offers health, life and P&C products via brokers and direct channels — competes head-to-head in the PKV and supplementary health segments as part of a broader international group.
• Generali Deutschland (Generali Deutschland AG): Generali Deutschland offers health, life and P&C through brokers and direct channels as part of the global Generali group — comparable to INTER on product breadth while operating with larger international backing.

Direct peers

• SIGNAL IDUNA Gruppe: SIGNAL IDUNA is a mid-large German mutual insurance group covering health, P&C and life/pensions via broker and direct channels — directly comparable on multi-line portfolio, broker dependence, and Germany-only footprint.
• HUK-COBURG Krankenversicherung: HUK-COBURG is a large mutual multi-line insurer with a strong PKV franchise and broad broker/agent distribution — directly comparable to INTER on multi-line breadth, mutual-style governance, and broker-led GTM.
• Debeka Krankenversicherung: Debeka is Germany's largest mutual private health insurer with a broad multi-line portfolio and a strong broker/captive sales force — the closest scale and structural analogue to INTER Versicherungsgruppe in the German PKV market.
• R+V Versicherung: R+V is a cooperative German insurer (DZ Bank group) with PKV, life and P&C lines distributed via the cooperative banking network — directly comparable on multi-line offering, broker/bank-channel GTM, and mid-to-large scale.
• Die Bayerische (Bayerische Versicherungsgruppe): Die Bayerische is a mid-sized German mutual insurer offering PKV, life and P&C with broker-led distribution — similar in size, scope, and channel model to INTER.
• DKV (Deutsche Krankenversicherung / ERGO Group): DKV is a major direct PKV carrier within the ERGO/Munich Re group, offering individual and supplementary health insurance with multi-channel distribution — a direct head-to-head peer in core PKV product lines.

Emerging players

• Ottonova Holding AG: Ottonova is a digital-first PKV challenger in Germany targeting self-employed and professionals — competes with INTER in the same vertical niches (especially self-employed) with a direct-to-consumer model rather than broker-led distribution.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 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 Inter