Muki Mutual Insurance Association
- Company typePrivate
- Founded1988
- HeadquartersBad Ischl, Austria
- Headcount101–250
- GTM typeB2C
- OfferingServices
Muki Mutual Insurance Association firmographics
Firmographics- Name
- Muki Mutual Insurance Association
- Legal name
- muki Versicherungsverein auf Gegenseitigkeit
- Website
- https://muki.com
- Company type
- Private
- Founded year
- 1988
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Ownership category
- akta.pro rank
Muki Mutual Insurance Association industry classification
Industry- Product category
- Mutual Insurance
- NAICS
- Insurance Carriers (5241), Direct Property and Casualty Insurance Carriers (524126), Direct Health and Medical Insurance Carriers (524114)
- SIC
- Insurance Carriers, Nec (6399), Fire, Marine & Casualty Insurance (6331), Accident & Health Insurance (6321)
- akta.pro primary industry
- Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)
- akta.pro secondary industries
- Standalone Hospital Indemnity Insurance (FSAIAKAB), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)
Keywords
Where Muki Mutual Insurance Association is headquartered
LocationHeadquarters
- HQ city
- Bad Ischl
- HQ country
- Austria
- HQ region
- Europe
Offices9 records
Markets served
Muki Mutual Insurance Association business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Insurance Premiums: Muki generates revenue through insurance premiums across multiple lines: health insurance (Krankenversicherung) and property/casualty insurance (Schaden-/Unfallversicherung). Gross premiums written in 2024 totaled 114.1 million euros (2023: 108.3 million euros). Health insurance contributed 16.5 million euros, while property/casualty contributed 97.6 million euros.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Single parent family: 1 adult + 1 child |
| Subscription | Monthly | Single parent family: 1 adult + 2 children |
| Subscription | Monthly | Single parent family: 1 adult + 3 children |
| Subscription | Monthly | Single parent family: 1 adult + 4+ children |
| Subscription | Monthly | Two-parent family: 2 adults + 1 child |
| Subscription | Monthly | Two-parent family: 2 adults + 2 children |
| Subscription | Monthly | Two-parent family: 2 adults + 3 children |
| Subscription | Monthly | Two-parent family: 2 adults + 4+ children |
| Subscription | Monthly | Baby-Option for Special Class insurance |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Muki Mutual Insurance Association product offering
Product offeringCore offering
Muki Mutual Insurance Association (muki Versicherungsverein auf Gegenseitigkeit) is an Austrian mutual insurer offering a bundled portfolio of insurance products anchored by FamilyPlus, a family supplementary health and accident package. The portfolio spans health (Sonderklasse Exklusiv, Wahlarzt Ambulant), accident (Kinder-Unfall-Exklusivschutz, Unfall 60 Plus), motor (Kfz-Haftpflicht, Kfz-Kasko), property (Haushalts-, Eigenheimversicherung), legal protection, commercial and specialty (pet, horse) lines, distributed through independent sales partners, field advisors and digital channels.
Product overview
Muki Mutual Insurance Association (muki Versicherungsverein auf Gegenseitigkeit) is an Austrian mutual insurance company offering a comprehensive portfolio of insurance products. The company operates on a platform-plus-modules architecture, with FamilyPlus as its flagship core product—a bundled supplementary health insurance for families combining accident coverage, hospital accompaniment costs, and travel insurance. The product suite spans health insurance (Sonderklasse Exklusiv, Wahlarzt Ambulant, Krankenhaus-Tagegeld, Unfallsonderklasse Plus), accident insurance (muki Unfallschutz, Unfall 60 Plus, Kinder-Unfall-Exklusivschutz), property insurance (Haushaltsversicherung, Eigenheimversicherung), vehicle insurance (Kfz-Haftpflicht, Kfz-Kasko, Insassenunfallversicherung), legal protection, business/commercial protection, and specialty products (Pferdehalter-Haftpflicht, Tierkrankenversicherung). Distribution occurs through independent sales partners and direct digital channels including online applications and B2B calculators.
Differentiator
Problem solved
Functional benefit
Brands
- FamilyPlus: Flagship supplementary health and accident insurance package for families, covering hospital accompaniment costs, worldwide travel insurance, special class treatment after accidents, and additional family health benefits.
- FamilyPlus Unfallsonderklasse Plus
- Kinder-Unfall-Exklusivschutz
- Unfall 60 Plus
- Sonderklasse Exklusiv
- SOE 1 / SOE 2 / SOE 3
- Wahlarzt Ambulant
- Unfallsonderklasse Plus
- muki 24h-Hilfe
- Ohne Wenn und Aber
- Carvita-Kooperation
Products and services
- FamilyPlus
Companies that use Muki Mutual Insurance Association
Customer profileNamed customers2 records
Segments1 record
Ideal customer profiles6 records
Muki Mutual Insurance Association technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Muki Mutual Insurance Association partnerships and signals
Strategic signalPartnerships
Four partnerships are on record, tiered core and minor.
- MO'DrivecoreKfz damage management partnership providing nationwide pick-up and delivery service with replacement vehicles. MO'Drive coordinates mobility needs within 1-2 hours of damage report through a network of 44 service points across all Austrian federal states. Includes real-time repair tracking app and sustainable repair services using certified parts and environmentally friendly paints.
- Carglass®corePartnership of over 5 years for glass damage repair services. Carglass® provides windscreen and window replacement services using OEM-quality glass. Muki Kasko customers save on deductibles for glass damage claims. Service centers across Austria including a mobile 'Mobil Branch' in Vöcklamarkt.
- Life RadiominorPodcast production collaboration for the 'Ohne Wenn und Aber' family podcast. Life Radio produces the podcast series featuring topics around family, work, and insurance in collaboration with muki.
- CarvitaminorCarvita-Kooperation for Kfz workshops - partnership for automotive workshop services related to vehicle insurance claims and repairs.
Scale indicators14 records
Recent moves9 records
Expansion highlights3 records
Muki Mutual Insurance Association competitors and assessment
Company assessmentBroad incumbents
- Helvetia Austria: Swiss-owned Austrian insurer offering multi-line personal and commercial insurance products. Competes with Muki in Austrian retail and family segments via broker and digital channels.
- Zurich Insurance Austria: Austrian subsidiary of Zurich Insurance Group offering multi-line personal and commercial coverage including health, accident, motor, and household. Larger global incumbent with broader portfolio competing for Muki's target customers.
- Allianz Austria: Austrian arm of global insurer Allianz offering broad personal and commercial lines including health, motor, property, and accident insurance. Larger incumbent with materially greater scale and brand, competing for the same Austrian family and retail customers.
Direct peers
- UNIQA Insurance Group: Austria's largest listed insurer offering health, accident, motor, property, and legal protection insurance across the same customer segments as Muki. Operates in Austria and CEE, providing a direct competitive benchmark for Muki's multi-line family-oriented portfolio.
- Generali Austria: Austrian subsidiary of Generali Group offering a comparable multi-line product portfolio (health, accident, motor, household, legal protection) through brokers and agency networks — directly competing with Muki for Austrian family customers.
- Oberösterreichische Versicherung: Regional Austrian mutual insurer headquartered in Linz offering health, accident, motor, household, and legal protection insurance. Direct competitor with overlapping distribution and customer base in Upper Austria, Muki's home region.
- Vienna Insurance Group (Wiener Städtische): Leading Austrian insurance carrier (VIG) with comprehensive health, P&C, motor, and life products distributed through brokers and direct channels. Competes head-to-head with Muki in Austrian family and retail segments.
- GRAWE Versicherung: Austrian mutual insurer (Versicherungsverein auf Gegenseitigkeit) offering multi-line insurance including health, accident, motor, household, and legal protection. Closest structural peer to Muki given the mutual model and Austrian family-customer focus.
Emerging players
- Merkur Versicherung: Austrian health insurance specialist offering supplementary health and special-class products comparable to Muki's Sonderklasse and Wahlarzt Ambulant lines. Focused niche peer competing for Austrian supplemental health customers.
Regional players
- Niederösterreichische Versicherung (NV): Austrian regional insurer offering multi-line personal and commercial insurance with strong broker distribution. Comparable in size and product breadth, but primarily serves Lower Austria rather than competing head-to-head with Muki's family focus.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks7 records
Key highlights7 records
Customer concentration
Muki Mutual Insurance Association social profiles
Digital presenceMuki Mutual Insurance Association financial estimates
Financial estimateRevenue estimate
Valuation estimate
Muki Mutual Insurance Association leadership team
Management profileNumber of profiles
Profiles8 records
Muki Mutual Insurance Association funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Muki Mutual Insurance Association M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Muki Mutual Insurance Association
What does Muki Mutual Insurance Association do?
Muki Mutual Insurance Association (muki Versicherungsverein auf Gegenseitigkeit) is an Austrian mutual insurer offering a bundled portfolio of insurance products anchored by FamilyPlus, a family supplementary health and accident package. The portfolio spans health (Sonderklasse Exklusiv, Wahlarzt Ambulant), accident (Kinder-Unfall-Exklusivschutz, Unfall 60 Plus), motor (Kfz-Haftpflicht, Kfz-Kasko), property (Haushalts-, Eigenheimversicherung), legal protection, commercial and specialty (pet, horse) lines, distributed through independent sales partners, field advisors and digital channels.
Is Muki Mutual Insurance Association a public or private company?
Muki Mutual Insurance Association is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Muki Mutual Insurance Association founded?
Muki Mutual Insurance Association was founded in 1988. It employs 101 to 250 people.
Where is Muki Mutual Insurance Association based?
Muki Mutual Insurance Association is headquartered in Bad Ischl, Austria, in the Europe region.
How does Muki Mutual Insurance Association make money?
One revenue line is on record: insurance Premiums.
Who are Muki Mutual Insurance Association's main competitors?
Broad incumbents on record are Helvetia Austria, Zurich Insurance Austria and Allianz Austria. Direct peers are UNIQA Insurance Group, Generali Austria, Oberösterreichische Versicherung, Vienna Insurance Group (Wiener Städtische) and GRAWE Versicherung. Merkur Versicherung is listed as an emerging player. Niederösterreichische Versicherung (NV) is listed as a regional player.
Does Muki Mutual Insurance Association have an API?
No public API is recorded for Muki Mutual Insurance Association.
What industry is Muki Mutual Insurance Association in?
Muki Mutual Insurance Association's product category is Mutual Insurance. Its primary akta.pro industry code is FSAIAEAD, Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident), with a secondary code of FSAIAKAB, Standalone Hospital Indemnity Insurance. Its NAICS code is 5241 and its SIC code is 6399.