Continentale Krankenversicherung a.G:

What Continentale Krankenversicherung a.G: does

Continentale Krankenversicherung a.G. is, at the entity level, a Versicherungsverein auf Gegenseitigkeit (VVaG) — a mutual insurance association founded in 1926, registered in Dortmund, North Rhine-Westphalia, and operating under the principle of mutual solidarity rather than shareholder return maximization. The underlying insurance portfolio spans health insurance (PKV), accident, liability, legal protection, property, and a comprehensive retirement planning suite including Riester-Rente, Rürup-Rente (Basis-Rente), Betriebliche Altersvorsorge (Direktversicherung, Pensionszusage, Unterstützungskasse), and the forthcoming Altersvorsorgedepot launching in 2027. Products are distributed through registered brokers under §34d GewO, with one such channel being Richter-Kaaden UG (haftungsbeschränkt), a Berlin-registered agency (HRB 129734 B) operated by Andreas Richter-Kaaden since 1999 as a DIHK-registered insurance broker (Reg.-Nr. D-X7F9-LIT5C-58), subject to BaFin oversight and participating in Versicherungsombudsmann dispute resolution.

The operational entity covered by the available firmographic data (1-10 employees, website richter-kaaden.de, Berlin-based) is the Richter-Kaaden agency, a single-broker distribution channel generating commission revenue from Continentale Versicherung product placements. Its go-to-market is sales-led and relationship-driven: personalized face-to-face and phone consultations, augmented by a website with retirement calculators (Basisrente Steuerrechner, Rentenlücken-Rechner), a Vorsorge-Check intake form, and Calendly-based appointment scheduling. The agency serves a hybrid customer base spanning families seeking financial protection and retirement planning, entrepreneurs requiring bAV and commercial coverage, self-employed and high-income individuals seeking tax-optimized Rürup-Rente, and specialized verticals including tradespeople (70+ craft professions in favorable Gefahrengruppe A) and restaurant/gastronomy operators. Revenue is exclusively commission-based on insurance premium placements, with multi-year policy contracts and no publicly disclosed pricing.

There is a structural data ambiguity worth flagging: the input conflates the parent mutual insurer (Continentale Versicherung a.G., a 1926-founded VVaG with a nationwide footprint and broad product portfolio) with the individual broker agency (Richter-Kaaden UG, a 1-10 employee Berlin operation). The firmographic data (headcount, website, address) describes the agency, while the corporate, product, and regulatory data describe the mutual insurer. A complete investment analysis would require separation of these two distinct entities.

Name

Continentale Krankenversicherung a.G:

Legal name

Continentale Versicherung a.G.

Website

https://richter-kaaden.de

Company type

Private

Founded year

1926

Operating status

Operating

Headcount range

1–10 employees

Short description

Continentale Krankenversicherung a.G. is a German mutual insurance association (VVaG) founded in 1926 offering health, accident, liability, and retirement products through registered brokers; the firmographic data describes its Richter-Kaaden agency channel in Berlin serving families, entrepreneurs, tradespeople, and restaurants.

Ownership category

akta.pro rank

Product category

Insurance Services

NAICS

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
• Occupational pension schemes
• Retirement planning products
• Liability and legal protection
• Accident insurance

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission Revenue: As an insurance agent/broker (Versicherungsvermittler) registered with DIHK, the agency earns commissions from insurance product sales including health insurance, accident insurance, liability insurance, legal protection insurance, property insurance, retirement planning products (Riester-Rente, Rürup-Rente, Betriebliche Altersvorsorge), and dental supplementary insurance. Revenue is generated through policy premiums placed with Continentale Versicherung and potentially other carriers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Continentale Krankenversicherung a.G., as part of the Continentale Versicherung mutual association, provides health insurance, supplemental cover (dental, nursing care, PKV contribution relief), accident, liability, legal protection, residential building, and property insurance, alongside retirement/pension products including the new Altersvorsorgedepot (2027), Riester-Rente, Basis-Rente (Rürup), and Betriebliche Altersvorsorge. The agency's specialty is transparent, personalized advisory delivered through face-to-face consultation, helping clients identify existential risks and select appropriate coverage from the Continentale portfolio.

Product overview

Continentale Krankenversicherung a.G. is an insurance mutual association (Versicherungsverein auf Gegenseitigkeit – VVaG) founded in 1926, offering a broad portfolio of insurance and pension products through a network of authorized agents. The portfolio centers on occupational pensions (bAV) via Direct Insurance, Support Funds, and Pension Commitments; retirement planning including the new Altersvorsorgedepot (2027), Riester-Rente, and Basis-Rente (Rürup-Rente); private health insurance (PKV) with add-on modules for dental (CEZE tariff), nursing care, and contribution relief; and property/lines coverage including private liability, legal protection, accident, residential building, and business insurance (for restaurants, tradespeople, and SMEs). Products are offered exclusively through registered insurance intermediaries (Fairsicherungsexperten) with individual consultation, supported by digital tools including a retirement check (Vorsorge-Check) and tax calculators. The company operates as a mutual, prioritizing long-term stability over quarterly returns.

Differentiator

Problem solved

Functional benefit

Products and services

• Altersvorsorgedepot (Private Retirement Depot from 2027) State-subsidized private retirement savings depot launching in 2027, offering flexible investment in ETFs and funds with government allowances and tax advantages, replacing the legacy Riester-Rente for new contracts.
• Riester-Rente State-subsidized retirement savings product providing government allowances to supplement the statutory pension, with existing contracts retaining grandfathered protections under the new Altersvorsorgedepot system.
• Basis-Rente (Rürup-Rente) Tax-deductible private retirement pension aimed at self-employed professionals and high-earning employees, offering asset protection against seizure and insolvency, depot-based investment, and lifetime annuity payouts.
• Betriebliche Altersvorsorge (bAV) Occupational pension scheme delivered through Direct Insurance (Direktversicherung), Pension Commitments (Pensionszusage), or Support Funds (Unterstützungskasse), enabling salary conversion with tax and social-contribution savings for employers and employees.
• Zahnzusatzversicherung (Tariff CEZE) Supplemental dental insurance (Tariff CEZE) covering up to 100% of costs for high-quality dental prostheses, implants, and professional teeth cleaning, with no waiting period and graduated annual coverage limits for individuals and families.
• Rechtsschutzversicherung Legal expense insurance covering private, professional, and traffic-related legal disputes with flexible deductibles and optional Special Criminal Legal Protection (SSR) up to €300,000 for individuals and businesses.
• Privathaftpflichtversicherung Private liability insurance covering bodily injury, property damage, and financial loss claims with worldwide protection (including drone usage, foreign-stay coverage, and gross negligence protection) for individuals and families.
• Unfallversicherung für Handwerker Specialized accident insurance for tradespeople offering favorable Gefahrengruppe A classification (vs. standard market Group B) for 70+ crafts occupations, materially reducing premiums and providing income protection during recovery.
• Unfallversicherung (Tariff UnfallGiro) Private accident insurance (Tariff UnfallGiro) providing 24-hour worldwide coverage including invalidity benefits, rehabilitation costs, rescue expenses, and lifetime pensions, supplementing Germany's statutory accident insurance.
• Beitragsentlastung PKV Contribution relief tariff for private health insurance (PKV) policyholders that accepts higher contributions during the working years to materially reduce premiums in retirement.
• Pflegezusatzversicherung Supplemental nursing care insurance offering either daily nursing cash benefits or reimbursement of nursing costs, with coverage starting from care degree 2 for individuals.
• Betriebsschließungsversicherung Business closure insurance for restaurants covering losses from government-ordered closures triggered by notifiable infectious diseases under the German Infection Protection Act (Infektionsschutzgesetz).
• Wohngebäudeversicherung Residential building insurance covering fire, water damage, elemental damage, and technical breakdowns with smart prevention features and a guaranteed avoidance of underinsurance for property owners.
• Unterstützungskasse State-subsidized support fund for occupational pensions offering unlimited contribution flexibility beyond direct insurance limits and balance-neutral corporate accounting treatment.
• Cyberversicherung (für Unternehmen) Cyber insurance for businesses covering manipulation of online reservation systems and theft of sensitive customer data, part of comprehensive business insurance packages for restaurants and SMEs.

Quantifiable outcome

• Over 70 handcraft professions benefit from favorable risk classification (Gefahrengruppe A vs standard B)
• +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

Partnerships

One partnership is on record.

• Continentale Versicherung a.G.primaryChannel Partner/ Reseller/ DistributorContinentale Versicherung a.G. is the primary insurance provider represented by the Richter-Kaaden agency. As a Versicherungsverein auf Gegenseitigkeit (mutual insurance association) founded in 1926, Continentale operates on the principle of mutual assistance rather than profit maximization. The agency sells a comprehensive portfolio of Continentale insurance products including health insurance (PKV), accident insurance, liability insurance, legal protection, property insurance, and retirement planning products. The partnership operates throughout Germany with the agency serving as an authorized distribution channel.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Check24 Vergleichsportal: Germany's leading insurance comparison platform — the principal digital disruptor to traditional broker-led distribution for simple lines (liability, legal protection, residential building, dental).
• Verivox Vergleichsportal: Major German price-comparison platform for insurance and financial products — competing for the simple-line placements that historically anchored independent broker revenue.

Direct peers

• OVB Holding AG: Europe-wide financial advisory and insurance brokerage firm with a strong cross-selling model across health, retirement, and P&C lines — directly comparable in advisor-driven distribution of multi-carrier insurance portfolios.
• MLP SE: Germany's largest publicly listed financial advisory and insurance brokerage network, serving affluent families, self-employed, and corporate clients across health, retirement, and wealth products — the most direct scaled analog to a Continentale-affiliated advisory practice.
• A.S.I. Wirtschaftsberatung AG: German financial advisory and insurance brokerage focused on academics, executives, and high-income self-employed — closely comparable in serving the Rürup/bAV segment and PKV-distribution model.
• Deutsche Vermögensberatung (DVAG): Germany's largest independent financial advisory network, distributing insurance, retirement, and wealth products through a tied-agent model — analogous in advisory-led distribution of Continentale-class mutual insurance products.

Broad incumbents

• Zurich Versicherung Deutschland: German arm of a global insurer distributing life, health, and P&C products through advisor networks — relevant incumbent comparison for the multi-line consultative distribution model.
• Gothaer Versicherungen: Mutual insurance association offering PKV, P&C, and retirement products through agency networks — structurally similar VVaG carrier with comparable product breadth and tied-agent distribution philosophy.
• Allianz Beratungs- und Vertriebs-AG: Vertically integrated distribution arm of Germany's largest insurer, providing multi-line advisory including health, retirement, and P&C — a scaled incumbent analog demonstrating the trade-offs of carrier-captive vs. independent brokerage.
• HDI Vertriebs AG: Distribution entity of the HDI/Talanx group offering PKV, retirement, and commercial lines through tied and independent advisors — comparable as a broad multi-line incumbent competing for the same Mittelstand and family segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 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 Continentale Krankenversicherung a.G: