PremiumCircle

Name

PremiumCircle

Legal name

PremiumCircle Deutschland GmbH

Website

https://premiumcircle.de

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance Analytics Software

NAICS

Insurance Agencies and Brokerages (524210), Software Publishers (5132)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

akta.pro secondary industry

Embedded Insurance Distribution & Premium Financing (FSAGALAF)

Keywords

• Insurance comparison software
• AVB analysis tools
• Broker network services
• Insurance consulting
• PKV BU advisory

Headquarters

HQ city

Friedberg

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. PremiumSoftware Licenses/Subscriptions: The PremiumSoftware is offered as a licensed software product for insurance advisors and brokers. It is available via direct order or a 14-day free trial. Licensed to insurance brokers, advisors, and intermediaries for use in client consultations.
2. MaklerNetzwerk Membership: Insurance brokers and intermediaries pay membership fees to join the MaklerNetzwerk, gaining access to the PremiumSoftware, seminars, workshops, events, and coaching. Membership provides exclusive contact with insurance industry experts and decision-makers.
3. PremiumAkademie Continuing Education: IDD-certified professional development and training for PKV and BU specialists. Revenue generated from seminar and course fees for brokers and insurance professionals seeking specialized qualification.
4. Insurance Company Consulting & Product Development: PremiumCircle provides consulting to insurance companies including market and competitive analyses, development of innovative and high-performance insurance products, sales strategy development, internal process structuring, and staff training.
5. PKV/BU Check Services: Independent insurance checks for policyholders comparing their existing coverage against the market, offered through the Maklersuche broker referral service and directly through the website.
6. Studies and Publications: PremiumCircle sells studies, research reports (e.g., the 118-page Leistungsvergleich PKV-GKV 2025 study, GKV System posters/PowerPoint presentations), and specialized publications through its e-commerce shop.
7. Event Revenue: Revenue from paid attendance at workshops, Recht-Symposium, PremiumMarketPlace, and other professional events organized by PremiumCircle.

Pricing tiers

Go-to-market motion2 records

Distribution channels7 records

Marketing channels10 records

Core offering

PremiumCircle develops and sells the PremiumSoftware, a proprietary source-based comparison software that performs word-for-word analysis of General Insurance Conditions (AVB) for biometric insurance products (PKV, BU, KT, PV). The software is licensed to insurance brokers and consultants for legally compliant client advisory and is also used to produce court-admissible expert opinions. Complementary offerings include the MaklerNetzwerk broker network, PremiumAkademie IDD-certified training, and consulting services for insurance companies.

Product overview

PremiumCircle is a specialized consulting and information company for the health and insurance industries, founded in 2002. The core offering is the PremiumSoftware, an independent AVB comparison and analysis software that provides source-based identification of insurance benefits. This platform is complemented by the MaklerNetzwerk (an exclusive broker network), PremiumAkademie (IDD-certified continuing education), PremiumCircle Shop (e-commerce for educational products), and the consumer brand Versicherungslücke. Additionally, PremiumCircle provides corporate consulting services including market analysis and product development for insurers, and publishes studies on PKV, GKV, and BU topics. The company also organizes events including VorsorgeFachForum, Recht-Symposium, and PremiumMarketPlace.

Differentiator

Problem solved

Functional benefit

Brands

• PremiumSoftware: Independent reference software for precise, comprehensive, and source-based identification of relevant insurance benefits in PKV and BU tariffs.
• MaklerNetzwerk
• PremiumAkademie
• PremiumMarketPlace
• Versicherungslücke
• Best of PKV

Products and services

• PremiumSoftware Proprietary, source-based comparison software for Private Health Insurance (PKV), Illness Daily Allowance (KT), Occupational Disability Insurance (BU), and Care Daily Allowance (PV). The software performs word-for-word analysis of AVB performance characteristics and maps them against 107 minimum performance criteria. Licensed to insurance brokers and consultants; also used to produce court-admissible expert opinions (Gerichtsgutachten).
• MaklerNetzwerk (Broker Network) An exclusive network of specialized and independent insurance brokers and intermediaries focused on PKV and BU advisory. Members gain access to PremiumSoftware, IDD-certified training via PremiumAkademie, seminars, workshops, events, coaching, and privileged contact with insurance company decision-makers. Over 40,262 brokers have participated.
• PremiumAkademie IDD-certified continuing education and professional development platform for PKV and BU specialists, offered via premiumakademie.com. Provides in-depth training on AVB content differences and legally compliant advisory competency.
• Insurance Company Consulting (Beratung und Produktentwicklung) Direct consulting services for insurance companies covering market and competitive analyses, development of innovative PKV/BU/KT/PV tariffs, sales strategy development, internal process structuring, and staff training. PremiumCircle has completed projects with 45 German insurance companies.
• PKV-Check (Private Health Insurance Check) Independent insurance check for private health insurance (PKV) policyholders. An objective benefit comparison showing what is actually insured in the event of a claim, comparing the customer's existing PKV tariff against the market using the PremiumSoftware framework.
• BU-Check (Occupational Disability Insurance Check) Independent insurance check for occupational disability insurance (BU) policyholders. Provides an overview of the benefits of the customer's current or prospective BU tariff against market benchmarks using PremiumSoftware.
• Maklersuche (Broker Search) Free referral service connecting policyholders seeking PKV or BU advice with brokers from the MaklerNetzwerk. Customers are shown three nearest qualified brokers based on postal code. The referral is provided at no cost to consumers.
• GKV-System Poster and PowerPoint Presentation Educational poster and PowerPoint presentation (priced between €126.05 and €378.15 excluding 19% VAT) showing the complex structures of the German statutory health insurance (GKV) system and the insured person's position within it.
• Studies and Analyses Studies and analyses on PKV, GKV, and BU topics sold through the e-commerce shop, including the 118-page Leistungsvergleich PKV-GKV 2025 study and the 226-page 'Neuausrichtung Gesundheitssystem' study. Used by media, policymakers, and industry stakeholders.
• PremiumCircle Shop Online shop offering products for education, continuing education, and study in the insurance industry, health industry, and politics, as well as for personal use. Includes studies, posters, PowerPoint presentations, and PremiumShorts.

Quantifiable outcome

• PKV tariff range: 51–102 out of 107 PCD minimum criteria met; no PKV tariff met all 104 GKV statutory minimums (2025 study)
• +4 more outcomes

Named customers6 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

Eight partnerships are on record, tiered former/related, key, minor and supporting.

• PREVALO GmbHformer/relatedOthers · 1 September 2025PREVALO GmbH (formerly GVM Versicherungsmakler GmbH) is a closely related entity founded and formerly led by Claus-Dieter Gorr. In September 2025, Claus-Dieter Gorr transitioned from PremiumCircle to lead PREVALO. The two companies share historical roots and values around transparency in insurance. PremiumCircle explicitly references PREVALO as part of the broader ecosystem around its founder.
• INGLOSUS InstitutkeyStrategic or Co-development Partner · 1 July 2025PremiumCircle collaborated with the INGLOSUS institute to organize the 1st Deutscher Gesundheits- und Versicherungsgipfel (DGVG) in Frankfurt am Main in July 2025. The summit served as a platform for exchange between health, insurance, and financial industries, with the aim of advancing reform discussions on the German healthcare system.
• Zukunftskreis GesundheitminorStrategic or Co-development Partner · 1 January 2012PremiumCircle founded the 'Zukunftskreis Gesundheit' (Future Circle Health) in 2012, a political initiative for the analysis and realignment of the German healthcare system. The initiative published the 226-page 'Neuausrichtung Gesundheitssystem' study in 2013/2014, forming the basis for political action proposals.
• EuroFinanceWeekminorStrategic or Co-development Partner · 1 January 2008PremiumCircle was a cooperation partner of the 11th EuroFinanceWeek in Frankfurt am Main in 2008, one of the leading finance industry events in Europe.
• SkeddlesupportingTechnology or IntegrationPremiumCircle uses Skeddle as its event scheduling, participant management, and organizational platform for all its training offerings. Skeddle processes registration data including personal, contact, booking, and contract data to manage event participation, send confirmations, and handle organizational communications. Data may be processed by Skeddle and its technical service providers, with data transfers to third countries handled per GDPR Article 44ff.
• Brevo (formerly Sendinblue)supportingTechnology or IntegrationPremiumCircle uses Brevo software for newsletter delivery and analysis. Subscriber data is stored on Brevo's servers in Germany. The newsletter system tracks open rates and click behavior; unsubscribing removes data from both PremiumCircle and Brevo servers. Brevo's privacy policy applies to its data processing.
• PayPalsupportingTechnology or IntegrationPayPal is used as a payment processing service for PremiumCircle's e-commerce shop transactions. PayPal processes payment data (account information, transaction details) for order fulfillment. PremiumCircle receives confirmation or rejection of payment but not full card/account details.
• MaklerNetzwerk Partners (Insurance Product Partners)keyChannel Partner/ Reseller/ DistributorThe MaklerNetzwerk provides its members with privileged access to selected insurance product partners, including privileged application and claims processing. These are insurance companies that partner with PremiumCircle to distribute their products through the network of qualified brokers.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Regional players

• Jung, DMS & Cie. AG: German financial services and insurance brokerage pool with technology platforms for financial advisors. Comparable to PremiumCircle in targeting insurance brokers with professional support tools, though focused more broadly on financial product distribution including investment and insurance products.

Direct peers

• Softfair GmbH: German insurance software provider offering comparison and analysis tools for brokers and insurers. Softfair is a direct competitor to PremiumSoftware, serving the same broker/advisor audience with software products for tariff comparison across PKV, BU, and other lines. Both companies operate in the German insurtech space with B2B SaaS models targeting brokers.
• Assekurata Assekuranz Rating-Agentur GmbH: Independent German insurance rating agency providing assessments of insurance companies and products. Assekurata is a direct peer in the independent insurance analysis space, serving similar insurance industry customers with comparable analytical and rating services.
• Franke und Bornberg Research GmbH: Independent German insurance rating and research firm that produces independent analyses of insurance products, including PKV and BU ratings. Franke und Bornberg is a direct peer as both companies provide product benchmarking and analysis for the German insurance market with proprietary methodologies.
• Morgen & Morgen GmbH: German insurance rating house specializing in independent product analysis for PKV, BU, and other biometric insurance products. Direct peer to PremiumCircle with overlapping customer base of insurance brokers and financial advisors seeking independent product evaluation.

Emerging players

• Finanztip Verbraucherinformation GmbH: German non-profit consumer financial information provider that produces independent analysis of insurance products (including PKV). Finanztip serves as a peer in the consumer insurance information space, with PremiumCircle having participated in Finanztip's PKV survey (2023). Unlike PremiumCircle, Finanztip does not offer broker advisory software.
• ALLESKLAR Insurance Solutions: German insurance comparison and advisory platform serving consumers and brokers. While smaller than major comparison portals, ALLESKLAR operates in the same German insurance transparency space as PremiumCircle, with overlapping broker and consumer audiences.

Others

• GDV - Gesamtverband der Deutschen Versicherungswirtschaft: German Insurance Association representing the interests of the German insurance industry. While not a direct competitor, GDV is a related ecosystem player whose data, policy positions, and industry research intersect with PremiumCircle's market transparency advocacy.

Broad incumbents

• Verivox GmbH: One of Germany's largest consumer-facing insurance and energy comparison platforms. While broader in scope (covering all insurance lines and utilities), Verivox operates in the same German insurance transparency market with digital comparison tools, but serves consumers directly rather than focusing on brokers/advisors like PremiumCircle.
• CHECK24 Vergleichsportal GmbH: Germany's leading digital comparison platform covering insurance, finance, travel, and more. While much broader in scope than PremiumCircle, CHECK24 competes in the same digital insurance brokerage space, though it focuses on mass-market consumer comparison rather than professional broker advisory tools.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCJYKjvM4WUG33AKZ9JspNwA
• Facebookfacebook.com/PremiumCircle-Deutschland-GmbH-857442307618853
• LinkedInlinkedin.com/company/premiumcircle-deutschland-gmbh
• Instagraminstagram.com/premiumcircle_deutschland

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 PremiumCircle