krankenversichern.at

What krankenversichern.at does

krankenversichern.at is an Austrian online comparison and brokerage platform for private and supplementary health insurance, operated by AVERS Versicherungsmakler GmbH from Wels (with a secondary office in Vienna's 22nd district). The platform targets Austrian residents — including working individuals, families, expecting parents, SMEs, cross-border commuters to Switzerland/Liechtenstein, and pet owners — who seek faster access to specialists, private hospital accommodation, and dental or travel coverage on top of the statutory ÖGK system. As an independent Versicherungsmakler with no ownership ties to insurance carriers, it sells across UNIQA (≈46% market share), Merkur, Generali, Wiener Städtische, Allianz, Muki, and Donau, and distributes products from multiple carriers on a commission basis with no customer-facing fees.

The core technology stack consists of the proprietary PKV-Select three-stage consulting methodology (developed by CEO Benjamin Arthofer over 20 years), the kvat PRO analysis software (built by COO Sebastian Arthofer, a WU Wien financial mathematician), and a tariff-fit recommendation algorithm. The customer flow is digital-first: a self-serve online comparison calculator feeds into a free 40–50 minute expert-led consultation delivered via phone or video, with WhatsApp as the preferred contact channel. The platform integrates HubSpot CRM, automated Beratungsprotokoll generation, and digital signature/policy processing, and is increasingly augmented by AI agents handling initial telephone outreach and post-sale service calls. A partner portal (Partner PRO Cockpit) extends the same toolset to third-party Kooperationspartner brokers who close referred customers.

The business model is commission-based: revenue is generated via transaction fees from insurance carriers on policies placed, supplemented by professional-services fees from B2B Gruppenkrankenversicherung engagements (notably for WKO Information & Consulting sector members, offering up to 30% group premium savings). Customers access comparison and consultation for free. The company is bootstrapped (no disclosed external funding), employs 7–10 specialists, has served 3,900+ customers across 6,500+ online consultations, and claims up to 37% premium savings versus direct carrier purchases on equivalent coverage, supported by a 99% ProvenExpert recommendation rate and 4.9/5 rating across 580+ verified reviews.

Name

krankenversichern.at

Legal name

AVERS Versicherungsmakler GmbH

Website

https://krankenversichern.at

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

krankenversichern.at is an Austria-based online comparison and independent brokerage platform for private and supplementary health insurance, matching individual consumers, expecting parents, SMEs, and cross-border commuters with optimal Wahlarzt, Sonderklasse, dental, and travel cover across multiple carriers via its proprietary PKV-Select methodology and kvat PRO analysis software.

Ownership category

akta.pro rank

Headquarters

HQ city

Wels

HQ country

Austria

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Commission: As an independent insurance broker (Versicherungsmakler), the company earns commission from insurance companies for policies sold. Customers receive free consultation as the company is compensated by insurance partners. Commission is typically a percentage of annual premiums.
2. B2B Group Insurance Consulting: Consulting services for businesses looking to provide group health insurance benefits to employees, offering discounted group rates through partnerships with insurance providers.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels6 records

Core offering

krankenversichern.at is an Austrian online comparison portal and independent insurance broker (operated by AVERS Versicherungsmakler GmbH) that compares and distributes private and supplementary health insurance tariffs from multiple insurers (UNIQA, Merkur, Generali, Wiener Städtische, Allianz, Muki, Donau). Customers use a self-serve comparison calculator and then receive a free 40-50 minute expert consultation (phone/video) based on the proprietary PKV-Select method and kvat PRO analysis software, covering Wahlarzt, Sonderklasse, dental, travel, nursing, cancer, cross-border commuter, pregnancy, and pet health insurance. Revenue is earned through commissions from the insurance partners rather than consumer fees.

Product overview

krankenversichern.at is Austria's leading online comparison portal and independent insurance broker (AVERS Versicherungsmakler GmbH) for private health and supplementary insurance. The core offering consists of the PKV-Select consulting methodology (a 3-step process combining data-driven analysis via the proprietary kvat PRO software with expert Beratung) and a comprehensive portfolio of insurance products spanning Wahlarztversicherung, Sonderklasse Versicherung, Private Krankenversicherung (combining both), Zahnversicherung, Auslandskrankenversicherung, Reiseversicherung, Grenzgänger Krankenversicherung, Pflegeversicherung, Krebsversicherung, and Pet Health Insurance. Specialty products include Female Protect® for existing pregnancies and Gruppenkrankenversicherung for professional groups. The platform also offers free online consultation (40–50 min, phone/video), the krankenversichern.at PLUS post-sale support service, a Partner PRO portal for independent brokers (with HubSpot CRM, comparison calculator, sales scripts), and a free Wahlarztversicherung webinar. The company publishes proprietary research studies (Kassenarzt-Aufnahmestopp-Studie, Wahlarzt-Wartezeiten-Studie) to support its market positioning. AI capabilities include telephone and text-based AI agents for initial customer contact and service calls, and a tariff recommendation algorithm.

Differentiator

Problem solved

Functional benefit

Products and services

• Private Krankenversicherung (Private Health Insurance) comparison Core private health insurance comparison and brokerage service combining specialist (Wahlarzt) and hospital (Sonderklasse) cover, plus dental, international travel cover up to €150,000, and specialist services, targeted at Austrian consumers seeking faster access and broader benefits than the public ÖGK system.
• Wahlarztversicherung (Private physician insurance) Supplementary insurance covering costs at private physicians (Wahlärzte), including reimbursement of co-payments at public insurance, specialist visits, and diagnostic services, with annual reimbursement budgets per tariff (e.g., Merkur tariff at €3,847/year). Targeted at Austrian residents who want faster specialist access without relying on public physicians.
• Sonderklasse Versicherung (Special-class hospital insurance) Hospital insurance covering accommodation in a 1- or 2-bed room (special class ward) or private clinic, with free choice of doctor, direct billing, and no deductible on accident/delivery/serious illness in some tariffs (e.g., UNIQA). Covers both accident and illness.
• Zahnversicherung (Dental insurance) Supplementary dental coverage that reimburses 50-80% of dental treatment costs, including dental prostheses (Zahnersatzversicherung); offered for Austrian consumers seeking reduced out-of-pocket dental costs.
• Auslandskrankenversicherung (Foreign travel health insurance) International health coverage for travel abroad, including medical treatment costs and repatriation to Austria, designed for Austrian residents travelling outside Austria.
• Reiseversicherung (Travel insurance) Travel insurance product offered as part of the supplementary insurance portfolio, providing travel-related coverage for Austrian customers.
• Grenzgänger Krankenversicherung (Cross-border commuter insurance) Specialized health insurance for Austrian cross-border commuters working in Switzerland or Liechtenstein that combines Austrian and Swiss healthcare coverage in a single policy.
• Pflegeversicherung (Nursing care insurance) Supplementary nursing and personal care insurance for Austrian residents seeking coverage for long-term care needs beyond the statutory system.
• Krebsversicherung (Cancer insurance) Specialized supplementary insurance providing cancer-related coverage for diagnosis, treatment and care; targeted at Austrian customers seeking financial protection against cancer-related costs.
• Female Protect® (Pregnancy insurance for existing pregnancies) Specialized insurance product enabling private health insurance coverage during an existing pregnancy without waiting periods, with optional Wahlarzt and prenatal diagnostics coverage, aimed at Austrian women who are already pregnant when seeking coverage.
• Private Krankenversicherung Schwangerschaft (Pregnancy private health insurance) Specialized private health insurance for pregnancy, offering birth in a private clinic/special class with 7-9 month waiting period, no deductible for birth, and 100% Wahlarzt and prenatal diagnostics coverage.
• Gruppenkrankenversicherung (Group health insurance) Group health insurance scheme for Austrian professional groups (e.g., WKO Information and Consulting), offering up to 30% premium discount, simplified acceptance for pre-existing conditions, and no surcharges or exclusions.
• Pet Health Insurance (Katzen- & Hunde-Krankenversicherung) Health insurance products for cats and dogs, offered as part of the extended portfolio to Austrian pet owners seeking protection against unexpected veterinary costs.
• Online-Beratung (Online consultation service) Free digital consultation service (40-50 minutes) delivered via phone or video conference that guides customers through needs analysis, tariff comparison, and optimal insurance selection, with personalized post-sale support and a 24-hour response guarantee.
• krankenversichern.at PLUS post-sale support Post-sale customer support service providing a dedicated personal contact, 24-hour response guarantee via phone or email, and free ongoing customer support after policy conclusion, included with policies brokered through the platform.
• Gratis-Webinar: Wahlarztversicherung Free 35-minute online webinar hosted by Sebastian Arthofer that teaches insider strategies for saving up to 37% on Wahlarzt insurance premiums, including a 3-indicator formula for finding the best tariff and data-backed analysis of the Wahlarzt market.
• krankenversichern.at PRO – Partner Cockpit Partner portal for independent Austrian insurance brokers that provides CRM access (HubSpot), the comparison calculator, sales-optimized landing pages, automated consultation protocol generation, sales scripts, and a centralized dashboard for managing leads and advisory services; partners receive qualified leads and retain 100% of resulting revenue after policy completion.

Quantifiable outcome

• Save up to 37% on private health insurance premiums with identical coverage
• +4 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• UNIQA KrankenversicherungcoreOthersOne of Austria's largest health insurers with approximately 46% market share in private health insurance. UNIQA is featured as a recommended provider on the platform, offering various tariff options including hospital and outpatient coverage.
• Merkur VersicherungcoreOthersAustria's oldest health insurance company based in Graz, consistently recognized with Assekuranz Awards. Partner for hospital tariff and outpatient insurance products recommended on the platform.
• Generali KrankenversicherungcoreOthersPart of the Generali Group, one of Austria's five largest health insurers. Offers specialized products including full special class coverage with illness option, and ambulance services.
• Wiener Städtische VersicherungminorOthersPart of Vienna Insurance Group AG, offering Wahlarzt and hospital insurance products through the platform's comparison service.
• Allianz KrankenversicherungminorOthersGlobal insurance giant offering private health insurance products featured in the platform's comparison and recommendations.
• Muki KrankenversicherungminorOthersMutual insurance association (Versicherungsverein auf Gegenseitigkeit) based in Bad Ischl, offering specialized health insurance products.
• Donau VersicherungminorOthersVienna-based insurance company established in 1867, offering Wahlarzt and supplementary health insurance through the platform.
• Independent Insurance Broker Partners (Kooperationspartner)coreChannel Partner/ Reseller/ DistributorNetwork of independent insurance brokers who receive qualified leads from krankenversichern.at and use the company's proprietary comparison tools, CRM, and sales scripts to consult customers. Partners gain access to the platform's digital tools including kvat PRO analysis software, HubSpot CRM, and optimized sales pages. After policy completion, customers transfer to the partner for ongoing service, with partners retaining 100% of resulting revenue.
• Wirtschaftskammer Österreich (WKO)minorOthersAustrian Federal Economic Chamber. krankenversichern.at is a member and offers specialized group insurance products for WKO member companies in sectors like Information and Consulting.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• durchblicker.at: Austria's largest independent insurance and financial product comparison platform, headquartered in Vienna. Directly comparable to krankenversichern.at in offering multi-carrier comparison and brokerage services to Austrian consumers, though it covers a broader set of insurance lines beyond health.
• Finanzcheck.de: German online comparison and broker platform focused on insurance and financial products, owned by Goldman Sachs-backed Scopes Group. Mirrors krankenversichern.at's digital comparison-and-brokerage approach with deeper capital backing, serving as a proxy for how the model scales with capital.
• Tarifcheck.de: German insurance comparison portal offering side-by-side tariff comparison across health, liability, and other lines. Comparable to krankenversichern.at in its tariff-aggregation model, though operating at greater scale and across multiple insurance verticals in Germany.
• AVM Smart: Austrian digital insurance brokerage referenced as related to krankenversichern.at in the source data. Operates in the same niche of independent, technology-enabled health insurance brokerage in Austria, sharing customer-facing comparison tools and broker workflows.

Broad incumbents

• UNIQA Insurance Group: Austria's largest insurance group with ~46% market share in private health insurance and a core carrier partner of krankenversichern.at. Represents both the dominant supply-side relationship and a structural competitive threat if it were to disintermediate brokers.
• Verivox: Leading German price comparison portal for insurance, energy, and telecom with a substantial insurance brokerage operation. Operates the same aggregator-and-broker model as krankenversichern.at and is a logical reference point for potential DACH expansion.
• Check24: Germany's largest digital comparison platform for insurance, financial products, and more, with insurance as a core vertical. Directly analogous business model (multi-carrier aggregator + broker) to krankenversichern.at but at significantly greater scale and across many product lines and geographies.
• Merkur Versicherung: Austria's oldest health insurer, headquartered in Graz, and a core recommended provider on krankenversichern.at. As a long-established specialty health carrier it is both a commercial partner and a comparable single-product insurance specialist in the Austrian market.
• Wüstenrot Versicherung: Austrian insurance and financial services provider offering health, life, and property products with a hybrid broker/direct distribution model. Comparable as an Austrian multi-line insurance incumbent with overlapping health insurance products on the same customer base.

Emerging players

• Getsafe: German digital insurance broker offering a mobile-first, fully online advisory and policy-issuance experience across multiple lines. Comparable to krankenversichern.at's digital-first brokerage approach but with venture backing and a German focus.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/avmsmartooe
• Instagraminstagram.com/avmsmart
• LinkedInlinkedin.com/company/avmsmart

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 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 krankenversichern.at