Medassure

What Medassure does

Medassure is the consumer brand of JHC Service GmbH, a Cologne-based Assekuradeur (insurance product developer and distributor) that has specialized since 2009 in Folgekostenversicherung—follow-up cost insurance—for elective medical procedures. The company addresses a structural coverage gap in the German market: when complications arise from cosmetic surgeries, bariatric procedures, non-operative aesthetic treatments, or dental work, statutory and private health insurers routinely deny claims, leaving self-paying patients exposed to out-of-pocket costs ranging from hundreds to hundreds of thousands of euros. Medassure's portfolio comprises four core insurance products: medassure beauty (cosmetic surgeries including breast augmentation, eyelid lifts, facelifts, liposuction), medassure cosmetics (non-operative aesthetic treatments such as Botulinumtoxin A, fillers, vampire lifting, needling, and fruit acid peels), medassure adipo (gastric bypass and sleeve gastrectomy for self-paying bariatric patients), and medassure dental (implants, crowns, bridges, dentures). Proprietary add-ons include Implantatschutz (accident-related implant coverage up to 300,000 EUR), Ästhetik Plus (aesthetic correction coverage up to 10,000 EUR), beHappy (subjective dissatisfaction coverage up to 2,000 EUR), and a 48-hour dental claims processing commitment.

The business operates on a premium-based model with tiered pricing. One-time premiums range from EUR 69 (liposuction) to EUR 899 (high-BMI obesity surgery), while annual subscriptions span EUR 19-259 (cosmetics base to dental premium), with coverage ceilings scaling accordingly up to 300,000 EUR for hospital treatments and acute complications. Distribution is primarily direct-to-consumer via medassure.de (online application up to one day before treatment, SEPA direct debit), supplemented by a phone hotline, email, and physician/clinic referrals. A strategic distribution partnership with MARTENS & PRAHL-Gruppe—one of Germany's largest insurance brokers with approximately 1,000 employees across 90+ offices—extends reach into the broker channel. Marketing spans SEO, paid search, Instagram, Facebook, Twitter, YouTube, podcast appearances, and earned media in Frankfurter Allgemeine, Welt, Frankfurter Rundschau, and Focus Online.

The company is privately held by its two managing directors, Uwe Jahnke and Christian Wilhelm Hoyer, with no external funding, parent company, or institutional investment disclosed. Operations are Germany-only. Headcount sits between 11 and 50 employees, and the most recent product launch (medassure cosmetics, January 2024) signals ongoing portfolio expansion into adjacent non-operative aesthetic verticals.

Name

Medassure

Legal name

JHC Service GmbH

Website

https://medassure.de

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Medassure (JHC Service GmbH, founded 2009, Cologne) is a German Assekuradeur providing Folgekostenversicherung—follow-up cost insurance—for complications arising from cosmetic, bariatric, dental, and non-operative aesthetic procedures, serving self-paying patients in Germany.

Ownership category

akta.pro rank

Product category

Specialty Insurance

NAICS

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

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

akta.pro secondary industry

Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

Keywords

• Follow-up cost insurance
• Cosmetic surgery insurance
• Complication insurance
• Bariatric surgery coverage
• Dental treatment insurance

Headquarters

HQ city

Cologne

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - medassure beauty: One-time insurance premiums for coverage of cosmetic surgery complications. Premiums vary based on procedure type: liposuction/lipedema from 69 EUR, implant procedures add 139 EUR, other procedures have their own pricing. Coverage includes up to 300,000 EUR for implant protection and 10,000 EUR for aesthetic corrections.
2. Insurance Premiums - medassure cosmetics: Annual subscription premiums for coverage of non-operative cosmetic treatment complications: Base tariff 39 EUR/year (3,000 EUR coverage), Premium tariff 99 EUR/year (20,000 EUR coverage).
3. Insurance Premiums - medassure adipo: One-time insurance premiums for obesity treatment complications: 499 EUR for BMI under 40, 899 EUR for BMI 40-60, covering up to 50,000 EUR for complications within 29 days including surgery day.
4. Insurance Premiums - medassure dental: Annual or multi-year subscription premiums for dental treatment complications: starting at 99 EUR for first year (treatment costs up to 1,000 EUR), 169 EUR (up to 3,000 EUR), 259 EUR (over 3,000 EUR), with additional years at 29-89 EUR.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels12 records

Core offering

Medassure sells Folgekostenversicherung (follow-up cost insurance) covering treatment costs for complications arising from elective medical procedures, including cosmetic surgeries, bariatric operations, non-invasive aesthetic treatments, and dental procedures. These insurance products cover expenses that statutory or private German health insurance plans typically refuse to pay for, with coverage limits ranging from 3,000 EUR to 300,000 EUR depending on the product line and treatment category. Customers purchase policies online via medassure.de up to one day before their scheduled treatment.

Product overview

Medassure is a portfolio of follow-up cost insurance products developed and operated by JHC Service GmbH, an Assekuradeur (insurance product developer) based in Cologne, Germany. The product suite consists of four core insurance products differentiated by treatment type: medassure beauty for cosmetic surgeries (with implant protection and Ästhetik Plus included), medassure cosmetics for non-operative aesthetic treatments, medassure adipo for obesity surgeries, and medassure dental for dental treatments. Add-on options include beHappy (satisfaction guarantee) for medassure beauty. The company also partners with medkred for treatment financing solutions. Since 2009, Medassure has been providing financial protection against complications from cosmetic, dental, and bariatric procedures, with coverage sums ranging from 3,000 EUR to 300,000 EUR depending on the product.

Differentiator

Problem solved

Functional benefit

Brands

• medassure beauty: Folgekostenversicherung for cosmetic surgeries such as breast augmentations, tummy tucks, and facelifts.
• medassure cosmetics
• medassure adipo
• medassure dental

Products and services

• medassure beauty Comprehensive follow-up cost insurance (Folgekostenversicherung) for cosmetic and aesthetic surgeries including breast augmentations, eyelid lifts, facelifts, liposuction, abdominoplasty, and rhinoplasty. Covers medical complications, implant protection up to 300,000 EUR, and aesthetic corrections (Ästhetik Plus) up to 10,000 EUR. Includes coverage for statutory health insurance regression claims up to 300,000 EUR. Premiums start at 69 EUR for liposuction/lipedema with additional charges for implants. Available to self-paying patients in Germany purchasing up to one day before treatment.
• medassure cosmetics Annual follow-up cost insurance for minimal-invasive cosmetic treatments including wrinkle treatments with Botulinumtoxin A, lip corrections, vampire lifts, needling, and fruit acid peelings. Provides year-round protection with Basis tariff covering up to 3,000 EUR (39 EUR/year) and Premium tariff covering up to 20,000 EUR (99 EUR/year) for complication costs. Targeted at patients undergoing repeated non-surgical aesthetic procedures throughout the year in Germany.
• medassure adipo Follow-up cost insurance for obesity treatments including gastric bypass (Magenbypass) and sleeve gastrectomy (Schlauchmagen) procedures. Covers acute complications occurring within 29 days including the surgery day, with coverage up to 50,000 EUR. Available for patients aged 18-65 with BMI up to 60. Premiums are 499 EUR for BMI under 40 and 899 EUR for BMI 40-60. Targeted at self-paying patients whose health insurance has denied coverage for bariatric surgery.
• medassure dental Follow-up cost insurance for dental prostheses and dental treatments including implants, crowns, bridges, dentures, and inlays. Covers complications such as infections, inflammation, and implant rejection, plus accident-related damage (e.g., bicycle accidents). Three tariff tiers available: Basic (99 EUR first year, up to 1,000 EUR coverage), Standard (169 EUR first year, up to 3,000 EUR), and Premium (259 EUR first year, over 3,000 EUR with up to 300,000 EUR for acute hospital treatments). Includes 48-hour claims processing.
• beHappy (Zufriedenheitsoption) Satisfaction Guarantee Standalone add-on satisfaction guarantee option for medassure beauty customers covering costs for correction treatments when patients are dissatisfied with the aesthetic result of their cosmetic surgery for subjective reasons. Covers up to 2,000 EUR for desired correction measures and permanent consequential damages from complications, with claims to be made within 6 months of the insured procedure. Sold as a supplementary premium on top of the medassure beauty policy.

Quantifiable outcome

• Coverage up to 300,000 EUR for statutory health insurance regression claims and hospital treatments
• +4 more outcomes

Named customers13 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core and minor.

• MARTENS & PRAHL-GruppecoreChannel Partner/ Reseller/ DistributorStrategic partnership with one of Germany's largest insurance brokers, combining JHC Service GmbH's specialized insurance products with MARTENS & PRAHL's extensive distribution network of around 1,000 employees across over 90 partner offices throughout Germany.
• medkredminorGTM or Marketing Partnermedkred provides financing solutions for medical treatments, allowing patients to finance their cosmetic procedures. Medassure promotes medkred as a payment option on their website, enabling patients to both finance treatments and protect against complications.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Getsafe: Getsafe (now Getsafe Insurance AG) is a Heidelberg-based digital insurer offering various insurance products directly to consumers through a mobile-first platform. Comparable digital insurance distribution model in the German market with a focus on simplified product design.
• ottonova: ottonova is a Munich-based digital private health insurance company in Germany offering supplementary and elective health coverage to digitally native consumers. Comparable in operating in the German private/supplementary health-insurance space with a tech-enabled, DTC-first distribution approach.
• Deutsche Familienversicherung (DFV): DFV Deutsche Familienversicherung AG is a Frankfurt-listed German digital insurer offering niche supplementary insurance products (health, accident, property) with a similar Assekuradeur-style, product-led model targeting under-served consumer segments. Highly comparable business model and distribution philosophy to Medassure.
• CLARK: CLARK is a Frankfurt-based digital insurance manager/broker that aggregates and distributes insurance products to consumers via an app. Comparable as a tech-enabled German insurance intermediary distributing supplementary and specialized products through digital channels.

Broad incumbents

• Hallesche Krankenversicherung: Hallesche Krankenversicherung is a Stuttgart-based German private health insurance company offering supplementary and elective health coverage products. Comparable broad incumbent in the German private health insurance space, with overlapping interest in elective-procedure and supplementary coverage.
• Barmenia Krankenversicherung: Barmenia is a large Wuppertal-based German mutual insurance group offering comprehensive health and supplementary insurance products. Comparable as a broad incumbent in the German private/supplementary health insurance market where Medassure operates, though Barmenia serves a much wider product portfolio.
• ARAG SE: ARAG is a major Düsseldorf-based German insurance group offering legal, health, and supplementary insurance products including specialty health coverage. Comparable as a broad incumbent operating in the German supplementary insurance market with diverse distribution.

Emerging players

• Mawista GmbH: Mawista is a German insurance specialist offering health insurance products targeted at specific expatriate and segment niches. Comparable as an emerging specialist focusing on under-served health insurance segments in Germany, similar in targeting niche consumer groups.
• Envivas Krankenversicherung: Envivas is a Cologne-based German private health insurance company (part of the Gothaer Group) offering supplementary and elective health insurance products. Comparable as an emerging specialist in German supplementary health insurance with similar geographic base to Medassure.

Others

• MedKred GmbH: MedKred is a German financing provider for elective medical and cosmetic procedures, partnered with Medassure to offer bundled financing-plus-insurance solutions. Comparable as a complementary ecosystem participant in the German elective-procedure patient journey.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/medassure
• YouTubeyoutube.com/channel/UCs-t90vZiz6d_rO3pUOhMWw
• Facebookfacebook.com/medassureDE
• Instagraminstagram.com/medassure_beauty/?hl=de

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 Medassure