MAWISTA

What MAWISTA does

MAWISTA is a German insurance broker brand operated by AP Solutions GmbH, founded in 2003 and headquartered in Munich with additional offices in Plochingen (near Stuttgart) and Berlin. The company specialises in private health insurance for foreign nationals on temporary stays in or near Germany, serving international students (Bachelor, Master, PhD, language school, au pairs, guest scientists), expats and digital nomads, Work & Travel participants, and tourists including Schengen visa applicants. Its product portfolio comprises four core private tariffs — MAWISTA Student (from €28/month), MAWISTA Expatcare (from €75/month), MAWISTA Visum (from €15/trip), and MAWISTA Reisecare (from €1.35/day) — all underwritten by Allianz via AWP P&C S.A., with Allianz Partners SAS indirectly holding more than 10% of AP Solutions GmbH. The offering is complemented by statutory health insurance brokerage partnerships with AOK and BARMER and a MAWISTA Blocked Account product delivered in cooperation with Fintiba.

The business is an insurance intermediary with no proprietary technology platform: customers are matched to tariffs through an online product finder questionnaire and purchase directly via mawista.com and partner booking portals (elviab2b.de, syncrob2c-eu.tatsh.cloud), supported by phone and email. Revenue is generated on a commission basis from underwriting partners, with a panel that also includes AXA, Barmenia, DKV, Europäische Reiseversicherung, Europ Assistance, HanseMerkur, HALLESCHE, and Union Reiseversicherung. The operating model is highly digital and self-serve, with marketing concentrated on SEO-driven multilingual content (DE/EN/中文), organic social channels, and Deutschlandstipendium scholarship sponsorships at nine German universities.

The regulatory foundation is a licensed insurance broker registration under Section 34 d (1) GewO via IHK Munich (register D-WYYH-2SKW6-10), and all policies are officially recognised by German authorities, immigration offices, and universities. The company has received 2025 industry recognition including the Top Service Auslandskrankenversicherung 2025 award and the Deutsches Innovationsinstitut Siegel, and maintains a 4.6/5 rating across 2,608 Google reviews for its Reisecare product. With 1–10 employees and no disclosed external funding, MAWISTA operates as a lean, commission-funded intermediary whose strategic value is concentrated in its brand, regulatory recognition, and Allianz underwriting relationship rather than in proprietary technology or scale.

Name

MAWISTA

Legal name

AP Solutions GmbH

Website

https://mawista.com

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

MAWISTA is a German insurance broker under AP Solutions GmbH that distributes Allianz-underwritten private health insurance (Student, Expatcare, Visum, Reisecare) plus statutory AOK/BARMER options and a Fintiba-powered blocked account, targeting international students, expats, digital nomads, and tourists in Germany.

Ownership category

akta.pro rank

Product category

International Health Insurance Brokerage

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

International/Expatriate Individual Health Insurance (FSAIAEAH)

akta.pro secondary industries

International / Expatriate Group Health Plans (FSAIAFAJ), International/Expat Critical Illness & Hospital Indemnity (FSAIAKAJ)

Keywords

• International health insurance
• Student health insurance
• Expat health coverage
• Schengen visa insurance
• Travel medical insurance

Headquarters

HQ city

Plochingen

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance brokerage commissions: MAWISTA operates as an insurance broker (Versicherungsvermittler) under AP Solutions GmbH, earning commissions on policies sold. The company works on a commission basis (Provisionsbasis) with multiple insurance underwriting partners including Allianz (AWP P&C S.A.), AXA, Barmenia, DKV, Europäische Reiseversicherung, Europ Assistance, HanseMerkur, HALLESCHE, and Union Reiseversicherung.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels6 records

Core offering

MAWISTA is an insurance brokerage brand under AP Solutions GmbH that sells international health insurance products to foreign students, expatriates, digital nomads, and travelers needing cover in Germany or while applying for a Schengen visa. All products are placed through a self-serve online funnel backed by multilingual customer support, with policies underwritten primarily by Allianz Partners and other carriers. Adjacent services include the MAWISTA Blocked Account (in partnership with Fintiba) and statutory health insurance sign-up partnerships with AOK and BARMER.

Product overview

MAWISTA is a private insurance broker specializing in international health insurance for temporary stays abroad. The company operates under AP Solutions GmbH and offers a portfolio of private health insurance products (MAWISTA Student, MAWISTA Expatcare, MAWISTA Visum, MAWISTA Reisecare, MAWISTA Blocked Account) designed for international students, expats, and tourists traveling to Germany or Germans traveling abroad. MAWISTA also partners with statutory health insurers AOK and BARMER to offer public health insurance options for international students at German universities. All private insurance products are underwritten by Allianz, providing global coverage with locally accessible medical care.

Differentiator

Problem solved

Functional benefit

Brands

• MAWISTA Student: Health insurance for international students, language school students, and Work & Travel participants. Starting from €28/month.
• MAWISTA Expatcare
• MAWISTA Visum
• MAWISTA Reisecare
• MAWISTA Blocked Account

Products and services

• MAWISTA Student Private health insurance designed for foreign students enrolled at German universities, providing unlimited reimbursement of medical costs with free choice of doctor and hospital; recognized for visa and university enrollment purposes.
• MAWISTA Expatcare Private health insurance for expatriates, digital nomads, guest scientists, and au-pairs residing in Germany, providing unlimited reimbursement, freedom to choose doctor/hospital, and immediate coverage activation.
• MAWISTA Visum Schengen-compliant inbound travel medical insurance certificate designed for visa applications, providing €30,000 minimum coverage, immediate activation, and acceptance at German consulates and embassies worldwide.
• MAWISTA Reisecare Long-term travel health insurance for trips of up to three years, offering immediate coverage and flexible durations for extended stays beyond Schengen visa application needs.
• MAWISTA Blocked Account Visa-related blocked (sperrkonto) settlement account required as financial proof for a German visa, offered in partnership with Fintiba and accessible via the MAWISTA online application flow.
• MAWISTA AOK Statutory health insurance sign-up partnership with AOK Baden-Württemberg, enabling students and employees to enroll in the German statutory system directly via the MAWISTA application portal.
• MAWISTA BARMER Statutory health insurance sign-up partnership with BARMER, enabling students and employees to enroll in the German statutory system directly via the MAWISTA application portal.

Quantifiable outcome

• Insurance coverage up to 5 years for Student and Expatcare products
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Five partnerships are on record, tiered core and minor.

• Allianz (AWP P&C S.A. – Allianz Partners)coreTechnology or IntegrationAllianz, through its subsidiary AWP P&C S.A., is the primary insurance underwriter for MAWISTA's products. MAWISTA acts as a broker distributing Allianz-backed policies. Allianz provides claims-paying capacity, global network, and the trusted brand that backs every MAWISTA policy. The Allianz Partners SAS indirectly holds more than 10% of AP Solutions GmbH's voting rights and share capital.
• AWP P&C S.A. Niederlassung für DeutschlandcoreTechnology or IntegrationPrimary insurance underwriter for MAWISTA's travel health insurance products (Student, Expatcare, Visum, Reisecare). Handles claims processing, risk underwriting, and provides the Allianz global medical assistance network.
• FintibaminorChannel Partner/ Reseller/ DistributorMAWISTA partners with Fintiba for blocked account (Sperrkonto) services. Students requiring a blocked account for their German visa can access MAWISTA Blocked Account through the Fintiba platform.
• German Universities (Deutschlandstipendium Programme)minorGTM or Marketing PartnerMAWISTA sponsors the Deutschlandstipendium at multiple German universities: Humboldt University Berlin, Technische Universität Berlin, Freie Universität Berlin, Ludwig-Maximilians-Universität München, RWTH Aachen, University of Heidelberg, Goethe University Frankfurt, Ruhr-Universität Bochum, and FAU Erlangen-Nürnberg. Provides €300/month scholarships to outstanding students.
• IHK für München und OberbayernminorOthersThe Chamber of Industry and Commerce for Munich and Upper Bavaria is the regulatory body with which AP Solutions GmbH is registered as an insurance broker (register No. D-WYYH-2SKW6-10).

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• DR-WALTER: German insurance broker founded in 1958 specialising in international health, travel, and liability insurance for expats, students, and long-term travelers — directly comparable niche, target audience, and broker-distribution model to MAWISTA.
• Care Concept: German insurance broker focused on health insurance for travellers, expatriates, and foreign nationals in Germany; comparable product set (visitor, student, language-student plans) and broker revenue model make it a head-to-head MAWISTA competitor.

Emerging players

• Feather: Digital insurance broker for expats and internationals (Germany, Netherlands, France), covering health, liability, and tenant insurance with a fully online onboarding flow — comparable digital broker positioning versus MAWISTA's traditional broker flow.
• ottonova: Digital-first German private health insurer that has expanded into expat and international student coverage with a fully app-based UX — represents the digital-native competitive threat to MAWISTA's broker model.

Others

• Fintiba: Provider of blocked accounts (Sperrkonto) for German visa applicants and a current MAWISTA bundle partner — operates in the same customer journey and represents an ecosystem peer for cross-sell and partnership dynamics.

Broad incumbents

• AOK: Germany's largest statutory health insurer with ~27M members, distributing student statutory coverage that MAWISTA brokers on its platform — competes for the same international-student cohort via direct enrolment.
• Allianz Care: Global health insurance arm of Allianz that directly underwrites international student, expat, and travel health plans — both the indirect owner of MAWISTA (via Allianz Partners SAS) and its principal underwriter, and a direct competitive alternative in the same customer segments.
• AXA Krankenversicherung: Large German health insurer offering expat and student plans, also a MAWISTA panel partner — represents direct-carrier competition to MAWISTA's brokered distribution in the same customer segments.
• Cigna Global Health: Global health insurer offering individual and group international health plans for expats and globally mobile employees — overlaps MAWISTA's expatcare segment with a broader, multinational footprint.
• HanseMerkur: Major German insurer that underwrites travel health and expat insurance directly (and is also a MAWISTA underwriting partner), competing for the same international-student and long-term-travel customer base.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/mawista
• Facebookfacebook.com/mawista
• Instagraminstagram.com/mawista_gmbh
• LinkedInlinkedin.com/company/mawista-gmbh

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 MAWISTA