Envivas Krankenversicherung

What Envivas Krankenversicherung does

Envivas Krankenversicherung AG is a Cologne-based private health insurer that sells supplemental (non-statutory) insurance products exclusively to members of Techniker Krankenkasse (TK), Germany's largest statutory health insurance fund. Founded in 2004 and operating as a wholly-owned subsidiary of Generali Deutschland AG, Envivas offers a portfolio of ten specialized tariffs covering dental, travel medical, hospital, doctor and alternative practitioner, nursing care, income protection, and age-segmented products (StarterPlus for under-30s, VitalXtra for 60+), plus modular add-ons such as the Pro Ergänzungstarif dental rider. Pricing follows a recurring subscription model, with monthly premiums ranging from approximately 3.60 EUR (Pro add-on, age up to 20) to 23.87 EUR (PflegePlus nursing care) and an annual travel product starting at 19.40 EUR; the PflegeAktiv nursing tariff additionally benefits from a 5 EUR/month state subsidy.

The company's technical platform centers on a policy administration and claims processing system, with two customer-facing digital channels: the EnvivasApp (a mobile application rated 4.4-4.5 stars on iOS and Android that enables photograph-based document submission and digital claim filing) and a self-service Webportal for policy management. Marketing and analytics infrastructure includes iAdvize live chat, Webtrekk (Mapp Digital) web analytics, Facebook Pixel and Google Ads conversion tracking, AB Tasty for experimentation, and OneTrust for GDPR-compliant consent management. EnvivasApp usage and digital self-service are core to keeping the operating headcount at 51-100 employees while serving 1.8 million+ policyholders.

Envivas runs a direct-to-consumer go-to-market within the exclusive TK member channel, combining online application, mobile and web self-service, phone support with a callback service, and a content marketing hub (Magazin) covering dental, travel, vision, nursing, and hospital topics. Marketing channels span the company website, email newsletter, live chat, mobile app, and content publishing. Revenue is generated exclusively through recurring insurance premiums, and the business is repeatedly recognized for service quality — including eleven consecutive years of TÜV SÜD ServiceExcellence certification, a four-year run as eKomi's "Best Health Insurer" (2022-2025) with 4.7/5 stars across 3,361 reviews, a 95% positive customer satisfaction score, and a Focus Money "Note 1.0" financial strength rating.

Name

Envivas Krankenversicherung

Legal name

Envivas Krankenversicherung AG

Website

https://envivas.de

Company type

Private

Founded year

2004

Operating status

Operating

Headcount range

51–100 employees

Short description

Envivas Krankenversicherung is a Cologne-based private insurer that provides supplemental health insurance (dental, travel, hospital, nursing, income protection) exclusively to Techniker Krankenkasse members, serving over 1.8 million policyholders via a digital-first platform with mobile app and web portal, as a subsidiary of Generali Deutschland AG.

Ownership category

akta.pro rank

Product category

Supplementary Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Services-Health Services (8000)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

akta.pro secondary industry

Embedded Insurance & Affinity Distribution Platforms (FSAGAGAL)

Keywords

• Supplementary health insurance
• Dental insurance products
• Travel health insurance
• Nursing care insurance
• Private health coverage

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Monthly and annual subscription-based premiums for supplemental health insurance products including dental, travel, hospital, vision, and nursing care coverage.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels5 records

Core offering

Envivas Krankenversicherung AG is a private supplementary health insurance provider that sells supplemental insurance products exclusively to members of Techniker Krankenkasse (TK). Its product portfolio includes dental, travel, hospital, doctor/alternative practitioner, nursing care, and income protection insurance, supported by a digital service ecosystem featuring the EnvivasApp for mobile document submission and a web portal for self-service policy management. Founded in 2004 and headquartered in Cologne, the company is a wholly-owned subsidiary of Generali Deutschland AG.

Product overview

Envivas Krankenversicherung is a supplementary health insurer exclusively serving Techniker Krankenkasse (TK) members. The product portfolio consists of a digital service ecosystem (EnvivasApp mobile application and Webportal) integrated with ten specialized insurance products: dental, travel, hospital, doctor & alternative practitioner, income protection, nursing care, and age-specific tariffs (StarterPlus for under-30s, VitalXtra for 60+), plus the Pro supplementary dental add-on. The EnvivasApp enables document photography and digital claim submission, while the Webportal provides self-service account management. More than 1.8 million TK policyholders trust Envivas, with 95% positive customer satisfaction ratings.

Differentiator

Problem solved

Functional benefit

Brands

• EnvivasApp: Mobile application for submitting invoices and managing insurance documents via smartphone

Products and services

• EnvivasApp Mobile application for iOS and Android that allows Envivas customers to photograph documents and submit invoices digitally for faster reimbursement. Rated 4.4-4.5 stars on App Store and Google Play. Available as a digital service tool for all Envivas policyholders.
• Webportal Online self-service customer portal for Envivas policyholders to manage insurance policies, access documents, and perform administrative tasks.
• Zahnzusatzversicherung (Dental Supplementary Insurance) Dental supplementary insurance for TK members offering up to 100% cost reimbursement when combined with TK benefits, professional teeth cleaning up to 150 EUR annually, and no waiting periods (coverage from day 1). Starting from 8.68 EUR per month.
• Reisekrankenversicherung (Travel Health Insurance) Travel supplementary insurance providing protection for short and long-term travelers with strong coverage for medical treatments abroad and 24/7 advisory services. Starting from 19.40 EUR per year, covering both short and long-term travel worldwide.
• Krankenhauszusatzversicherung (Hospital Supplementary Insurance) High-quality hospital supplementary insurance providing private patient advantages including single or double room options, chief physician treatment, and full cost control for inpatient stays.
• Arzt & Heilpraktiker (Doctor & Alternative Practitioner) Supplementary insurance covering glasses, dental treatments, and alternative practitioner (Heilpraktiker) services for TK members.
• StarterPlus (Under 30) Insurance tariff specifically designed for TK customers under 30 years old with tailored coverage and affordable pricing for young adults.
• Krankentagegeldversicherung (Loss of Income Insurance) Income replacement insurance (Krankentagegeld) providing financial security through daily cash benefits during illness recovery periods when the insured is unable to work.
• Pflegezusatzversicherung (Nursing Care Supplementary Insurance) Private nursing care supplementary insurance with three tariff options: PflegePlus (daily care allowance for nursing grades), PflegeXtra (emergency assistance add-on for 1 EUR/month providing 24/7 nursing manager support), and PflegeAktiv (state-subsidized tariff with 5 EUR monthly reduction). Covers nursing grades 3-5.
• VitalXtra (Age 60+) Comprehensive coverage tariff for persons aged 60 and above, priced at 17.31 EUR monthly, offering subsidies for visual aids up to 150 EUR, dental prosthetics up to 30%, worldwide travel protection, and therapeutic remedies up to 100 EUR annually. Features simplified health screening with only dental status question required.

Quantifiable outcome

• Up to 100% dental cost reimbursement when combined with TK benefits
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature1 record

Partnerships

One partnership is on record.

• Techniker Krankenkasse (TK)coreStrategic or Co-development Partner · 1 January 2005Exclusive 20-year partnership providing supplemental health insurance products exclusively to TK members. Products designed specifically for TK customers including dental, travel, hospital, vision, and nursing care coverage. Over 1.8 million TK members insured.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Ottonova: Digital-first German private health insurer offering modern app-based supplementary and full private health insurance targeting younger German consumers; overlapping with Envivas's digital GTM and dental/hospital product strategy, representing a next-gen competitive threat.

Direct peers

• Continentale Krankenversicherung: German mutual insurer with a strong focus on supplementary health insurance (Zahnzusatz, Krankenhaus, Pflege) for white-collar professionals; comparable mid-sized specialist peer targeting German consumers through direct distribution.
• Barmenia Krankenversicherung: Wuppertal-based mutual insurer offering a broad range of private supplementary health insurance (Zusatz) products including dental, hospital, and nursing coverage; one of Envivas's closest direct product-comp and target-market comparables in the German Zahnzusatz market.
• ARAG Krankenversicherung: German private health insurer within the ARAG Group offering supplementary dental, hospital, and nursing care products; structurally aligned with Envivas as a direct competitor in the German Zusatzversicherung (supplemental insurance) market.
• Münchener Verein Krankenversicherung: Bavarian-rooted private health insurer offering supplementary (Zusatz) dental, hospital, and daily sickness allowance policies to German consumers; structurally similar mid-sized niche carrier with comparable product suite and direct distribution model.
• Süddeutsche Krankenversicherung (SDK): Bavaria-based German private health insurer specializing in supplementary health insurance for white-collar workers; comparable to Envivas in target customer profile and product focus on dental, hospital, and nursing supplements.
• Hallesche Krankenversicherung: German private health insurer offering supplementary dental, hospital, and nursing care products directly to consumers; comparable to Envivas in product mix (Krankenzusatz, Zahnzusatz, Pflegezusatz) and target customer (German consumers) but operating across all channels rather than a single affinity partner.

Broad incumbents

• Allianz Private Krankenversicherung: Germany's largest private health insurer offering full supplementary health insurance products nationwide; comparable to Envivas in product breadth (Zahnzusatz, Krankenhaustagegeld, Pflegezusatz) but with vastly broader distribution and capital base.
• DKV (Deutsche Krankenversicherung): One of Germany's largest private health insurers (ERGO Group subsidiary) offering comprehensive supplementary health insurance including dental, hospital, and nursing care products to the broader market, comparable to Envivas in product breadth but without an exclusive affinity-partner model.
• AXA Krankenversicherung: Major German private health insurer (AXA Konzern subsidiary) offering the full spectrum of private supplementary health insurance; comparable to Envivas in product portfolio and digital modernization investments but operating at significantly greater scale.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/envivas

Compliance4 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 Envivas Krankenversicherung