ARAG Versicherungen

What ARAG Versicherungen does

ARAG Versicherungen (legal entity: ARAG SE) is a family-owned European insurance group headquartered in Düsseldorf, Germany, founded in 1935 by Heinrich Faßbender around the vision "Recht für alle" (Justice for All). The company self-describes as the world's largest legal protection insurer and as the largest family-owned insurer in Germany; it serves over 12 million customers across 19 countries with a workforce of approximately 6,000. Its core competency is legal protection insurance (Rechtsschutzversicherung) — covering private, traffic, rental, employment, family, inheritance, and commercial disputes — which it sells both standalone and bundled in packages such as "ARAG Recht und Heim" and "ARAG Recht und Gewerbe," alongside supplementary health, liability, household contents, accident, travel, pet, and association insurance lines.

Revenue is generated through recurring insurance premiums billed monthly, quarterly, or annually; sample entry-level pricing ranges from EUR 2.74/month (preventive care insurance) to EUR 46.99/month for combined legal-plus-household-plus-liability packages. Distribution is multi-channel: direct-to-consumer via the ARAG website and the "Meine ARAG" digital self-service portal, field sales through the "ARAG Berater vor Ort" local advisor network with regional Geschäftsstellen across Germany, inside sales via a 24/7 phone hotline, and B2B2C channel partnerships with employers, associations, and clubs for group insurance (Gruppenversicherung / betriebliche Krankenversicherung). The underlying technology stack includes the Meine ARAG portal with Nect-app digital identity verification, the ARAG GesundheitsApp for medical receipt submission and claim tracking, the ARAG JuraTel lawyer hotline, the Dokumenten-Center template library, the Anwalts-Chat live lawyer chat, the Anwaltssuche lawyer directory, and a Cognigy-powered "Konflikt Navigator" AI chatbot for website-based conflict navigation.

Name

ARAG Versicherungen

Legal name

ARAG SE

Website

https://arag.de

Company type

Private

Founded year

1935

Operating status

Operating

Headcount range

101–250 employees

Short description

ARAG Versicherungen is the world's largest legal protection insurer and largest family-owned insurer in Germany, serving over 12 million customers across 19 countries with legal, health, liability, property, and specialty insurance distributed via direct, field-advisor, and group-insurance channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Düsseldorf

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, Supply Chain

Revenue model

1. Insurance Premiums: ARAG generates revenue primarily through insurance premiums paid by customers for legal protection, health, property, liability, and other insurance products. Premiums are collected on subscription-like recurring schedules (monthly, quarterly, or annual billing). The company offers various insurance lines including Rechtsschutz (legal protection), Krankenversicherung (health insurance), Haftpflicht (liability), Hausrat (household), Tierversicherung (pet insurance), and Gewerbeversicherung (commercial insurance).

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

ARAG Versicherungen is the world's largest legal protection insurer, offering multi-line insurance products centered on Rechtsschutzversicherung (legal protection insurance) and extending into private health insurance, supplementary health coverage (dental, hospital, eyewear), liability insurance, household contents insurance, accident insurance, travel insurance, pet health insurance, and association/club insurance. The company also provides commercial legal protection (Firmenrechtsschutz) and employer group health insurance (Betriebliche Krankenversicherung) for business clients, supported by digital self-service, telephone legal consultation, and a network of local advisors across Germany.

Product overview

ARAG Versicherungen operates as a multi-line insurance provider offering legal protection as its core competency alongside health, property, liability, travel, and pet insurance products. The product architecture consists of three main pillars: (1) Legal Protection Insurance (Rechtsschutzversicherung) as the flagship product line with specialized modules for private, traffic, rental, employment, family, inheritance, and commercial segments, plus bundled packages combining legal protection with home insurance; (2) Health Insurance including private health insurance, supplementary dental/vision/hospital coverage, and company group health plans; and (3) Property & Specialty Insurance covering liability, household contents, accident, travel, pet (dogs and cats), and association insurance. Supporting these products is a digital service ecosystem comprising the 'Meine ARAG' customer portal, ARAG GesundheitsApp, ARAG Wallet-Card, ARAG JuraTel hotline, ARAG Dokumenten-Center legal database, ARAG Anwalts-Chat, and ARAG Anwaltssuche. The company is the world's largest legal protection insurer, founded in 1935, serving over 12 million customers across 19 countries, with headquarters in Düsseldorf, Germany.

Differentiator

Problem solved

Functional benefit

Brands

• ARAG Recht und Heim: Insurance package combining legal protection, household contents, and liability insurance.
• ARAG Recht und Gewerbe
• Meine ARAG
• ARAG GesundheitsApp
• ARAG JuraTel
• ARAG Wallet-Card

Products and services

• Rechtsschutzversicherung (Legal Protection Insurance) Core legal protection insurance covering multiple life areas including private, traffic, rental, employment, family, marriage/divorce, inheritance, and commercial legal disputes. Specialized modules include Privatrechtsschutz, Verkehrsrechtsschutz, Mietrechtsschutz, Arbeitsrechtsschutz, Familienrechtsschutz, Ehe-Rechtsschutz, Erbrechtsschutz, and Vermieterrechtsschutz.
• Private Krankenversicherung (Private Health Insurance) Private health insurance providing exclusive medical care with comprehensive top-tier benefits for preventive care, dental, outpatient treatments, and hospital stays, including patient legal protection. Offers full private health coverage and dedicated versions for civil servants (Beamte).
• Krankenhauszusatzversicherung (Hospital Supplementary Insurance) Hospital supplementary insurance providing private room accommodation, chief physician treatment, and free hospital choice for premium medical care, complementing statutory health insurance.
• Zahnzusatzversicherung (Dental Supplementary Insurance) Dental supplementary insurance covering dental treatments, professional teeth cleaning, and orthodontic procedures with immediate protection across all tariffs.
• Brillenversicherung (Eyewear Insurance) Eyewear insurance offering up to 100% reimbursement for glasses and contact lenses, plus subsidies for laser eye surgery up to 1,000 EUR.
• Auslandsreisekrankenversicherung (Foreign Travel Health Insurance) Foreign travel health insurance providing worldwide financial protection against illness, accidents, and trip cancellations during international travel.
• Vorsorgeversicherung (Preventive Care Insurance) Preventive care insurance covering health screenings, vaccinations, and preventive medical services to support early detection and proactive health management.
• Krankenzusatzversicherung für Kinder (Children's Supplementary Insurance) Children's supplementary insurance (Junior-Tarif) covering dental, hospital, and outpatient benefits for children in the household, starting from 13.34 EUR per month and including all children in the household.
• Haftpflichtversicherung (Personal Liability Insurance) Personal liability insurance providing protection against personal injury and property damage claims in various life situations, including private and commercial liability coverage.
• Hausratversicherung (Household Contents Insurance) Household contents insurance covering damage to or loss of household items including an optional bicycle insurance add-on for comprehensive home protection.
• Unfallversicherung (Accident Insurance) Accident insurance providing financial security when accidents occur, including free legal consultation and Existenz-Schutz ("livelihood protection") coverage.
• Reiseversicherung ReiseProtect (Travel Insurance) Travel insurance with flexible worldwide or Europe-wide coverage adapting to exact travel duration, covering trip cancellation, medical emergencies abroad, and travel disruptions.
• Hundekrankenversicherung (Dog Health Insurance) Dog health insurance covering veterinary costs for treatments and operations with free choice of veterinarian, starting from 26.25 EUR per month for comprehensive coverage.
• Katzenkrankenversicherung (Cat Health Insurance) Cat health insurance covering veterinary costs for treatments and operations, providing protection against unexpected feline healthcare expenses.
• Vereinsversicherung (Association Insurance) Association insurance for clubs and organizations including sports clubs, carnival associations, and choir groups, covering liability during activities, member accidents, and organizational governance risks.
• Firmenrechtsschutz (Commercial Legal Protection) Commercial legal protection for businesses covering process costs, top attorney consultation, and various business services, including disputes with customers, suppliers, and employees.
• Gruppenversicherung (Group Insurance) Group insurance for employers, associations, and clubs providing health insurance benefits at reduced rates for employees and members via collective contracts.
• Betriebliche Krankenversicherung (Employer-Sponsored Health Insurance) Employer-sponsored company health insurance strengthening employer branding, reducing sick leave, and improving employee satisfaction through supplementary health benefits.
• Versicherungspaket ARAG Recht und Heim (Legal + Home Package) Combined insurance package offering legal protection, household contents, and personal liability insurance in one policy with a 20% instant discount for online purchase, starting from 46.99 EUR per month.
• Versicherungspaket ARAG Recht und Gewerbe (Legal + Commercial Package) Commercial insurance package combining business legal protection, property, and business liability coverage for comprehensive SME protection through a single policy.
• Heilpraktikerzusatzversicherung (Naturopath Supplementary Insurance) Health practitioner supplementary insurance covering treatments by Heilpraktiker (naturopaths) and alternative medicine providers as a complement to statutory health insurance.
• Ambulante Zusatzversicherung (Outpatient Supplementary Insurance) Outpatient supplementary insurance covering outpatient medical treatments, specialist services, and additional diagnostic services beyond statutory health insurance coverage.
• Krankentagegeldversicherung (Hospital Daily Allowance Insurance) Daily sickness allowance insurance providing income replacement during prolonged illness-related work absences, supplementing statutory sick pay coverage.
• Krankenhaustagegeld (Hospital Daily Cash Benefit) Hospital daily cash benefit insurance providing a fixed daily cash payment during hospital stays to cover incidental costs.
• Pflegezusatzversicherung (Long-Term Care Supplementary Insurance) Long-term care supplementary insurance covering gaps in statutory long-term care insurance for care services, home care, and nursing support.

Quantifiable outcome

• 87% customer satisfaction with ARAG service performance
• +3 more outcomes

Named customers6 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability4 records

Feature6 records

Partnerships

One partnership is on record.

• UNICEFflagshipStrategic or Co-development Partner · 4 May 2026ARAG partners with UNICEF for its 90th anniversary campaign: for each insurance policy purchased between May 4 and August 15, 2026, ARAG supports a UNICEF child rights program. This cause marketing partnership supports children's welfare globally through UNICEF programming.

Scale indicators6 records

Recent moves2 records

Expansion highlights6 records

Market position

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.de/ARAG
• Facebookfacebook.com/ARAG
• Instagraminstagram.com/arag_versicherungen
• Xx.com/ARAG

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 ARAG Versicherungen