What Corrigo does

Corrigo operates as a German licensed insurance broker (Versicherungsmakler) under §34d Abs. 1 GewO, registered through its operating entity PKV Experten GmbH (headquartered in Kaisersesch, Rhineland-Palatinate). The company is a single-vertical specialist in PKV (Private Krankenversicherung) tariff optimization, founded in 2011 by Ralf Willems. It serves individual German consumers — primarily high-income employees above the €69,300 PKV eligibility threshold, self-employed and freelancers, civil servants, and the broader population of Germany's ~8 million existing PKV policyholders — by analyzing over 6,000 tariff configurations across 93 insurers to identify lower-cost plans that preserve comparable benefits, often within the same insurer to avoid loss of accrued rights.

The product portfolio consists of a free 15-minute initial assessment, a detailed potential analysis (Potenzialanalyse), the core tariff optimization engagement, a 3-year sustainability guarantee (free re-service if premiums rise >10%), and a loyalty/referral program paying €200 per successful referral. There is no proprietary technology platform; delivery runs on standard business software (Onepage.io for landing pages, Klick-Tipp for email, Calendly for scheduling, CloudFlare CDN, Zoom for video consultations, and a CRM). Customer acquisition is digital-first, combining SEO-driven educational content, social media (Facebook, Instagram, LinkedIn), email newsletters, and inside-sales consultations delivered via phone and video.

The business model is purely outcome-based performance pricing: Corrigo charges a fee equal to the customer's first year of savings only if optimization succeeds, with no fee otherwise. Average savings of €2,572 per customer and cumulative customer savings of €100 million across more than 6,000 consultations since founding form the core proof points. The company self-reports seven-figure annual revenues and is privately held with no external venture or private equity investment disclosed.

Name

Corrigo

Legal name

PKV Experten GmbH

Website

https://corrigo.ag

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Corrigo (PKV Experten GmbH) is a German licensed insurance broker that optimizes private health insurance (PKV) tariffs for individual consumers, charging a success-based fee equal to the customer's first year of savings achieved.

Ownership category

akta.pro rank

Headquarters

HQ city

Kaisersesch

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, Others

Revenue model

1. Success-Based Consulting Fee (Performance Fee): Corrigo charges a fee equal to the customer's first year of savings only if the optimization is successful. This aligns interests between Corrigo and the customer. If no savings are achieved, no fee is charged. The company states: 'Wenn wir erfolgreich sind, zahlen Sie an uns für kurze Zeit nur das Geld, was Sie ohne unsere Hilfe dauerhaft an Ihre Versicherung weiter zahlen müssten.' Additional revenue comes from a loyalty/referral program where recommending clients receive €200 per referral that generates at least €1,000 net revenue, with a special surprise after 5 successful referrals.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels9 records

Core offering

Corrigo provides private health insurance (PKV) tariff optimization consulting services for German policyholders. The company analyzes over 6,000 tariff configurations to identify lower-cost plans within the same insurer, reducing premiums while maintaining comparable benefits. The service is delivered via phone and video consultations on a success-based fee model, charging customers only when actual savings are achieved.

Product overview

Corrigo is a PKV (Private Krankenversicherung) tariff optimization service provider operating as a brand of PKV Experten GmbH. The core offering is PKV Tariff Optimization consulting, which analyzes over 6,000 tariff configurations to identify savings opportunities for private health insurance customers. The company operates on a success-based fee model, billing customers only when savings are achieved (first year's savings as honorarium), which aligns interests between advisor and customer. Supporting services include Free Initial Consultation, Potential Analysis, Sustainability Guarantee (free re-service if contributions rise 10%+ within 3 years), and a Loyalty/Referral Program. Educational content is provided through a blog covering PKV topics, GOÄ billing, and switching guidance. The company was founded in 2011 and has conducted over 6,000 consultations with average savings of 2,572 Euro.

Differentiator

Problem solved

Functional benefit

Products and services

• PKV Tarifoptimierung (PKV Tariff Optimization) Core consulting service that analyzes and optimizes private health insurance (PKV) tariffs to reduce customer contributions while maintaining comparable benefits. Compares over 6,000 tariff configurations and economic analyses to identify better-value plans within the same insurer. For individual PKV policyholders in Germany.
• Kostenlose Erstberatung (Free Initial Consultation) Free 15-minute initial assessment that evaluates customers' individual contribution situations and current benefits to determine the best PKV model for their life situation. Conducted via phone or video call. For individual PKV-eligible Germans.
• Erfolgsbasierte Honorarberatung (Success-Based Fee Consulting) Fee model where Corrigo's compensation is tied to actual savings achieved. The first year's savings are billed as honorarium. No fee is charged if no savings are achieved, aligning company and customer interests. For individual PKV policyholders.
• Potenzialanalyse (Potential Analysis) Personalized analysis providing an overview of the best available PKV tariffs and calculation of long-term savings for the customer. Free service used to identify optimization opportunities before engaging in full optimization.
• Nachhaltigkeitsgarantie (Sustainability Guarantee) Guarantee providing free re-service if PKV contributions rise by 10% or more within the first 3 years after optimization, as long as the customer has granted Corrigo the mandate. Included as part of the optimization service.
• Treueprogramm (Loyalty/Referral Program) Referral and loyalty program offering a €200 recommendation bonus for each successful referral generating net revenue of at least €1,000. Includes a special surprise reward after the 5th successful referral. Serves as both customer retention and acquisition mechanism.

Quantifiable outcome

• Average annual savings per customer: €2,572
• +5 more outcomes

Named customers5 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

Partnerships

Three partnerships are on record, tiered minor.

• StratominorOthersStrato provides web hosting and email hosting services for corrigo.ag. All website data and email postboxes are hosted on Strato servers. Corrigo has a data processing agreement (Auftragsverarbeitung) with Strato. This is a standard infrastructure vendor relationship.
• Meta Platforms (Facebook & Instagram)minorGTM or Marketing PartnerCorrigo operates a company presence on Facebook and Instagram (Meta Platforms Ireland Ltd., Dublin). This is a joint-controller relationship under GDPR. Meta is used for brand presence and customer communication, not paid advertising explicitly referenced.
• LinkedInminorGTM or Marketing PartnerCorrigo maintains a LinkedIn company page for corporate branding and B2B professional visibility. LinkedIn Ireland Unlimited Company is the EU entity.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Verivox: Germany's largest independent comparison portal for insurance, energy, and telecom products. Competes with Corrigo for PKV shoppers via self-service tariff comparison, but operates across many insurance lines rather than specializing in PKV optimization.
• MLP: German financial advisory and brokerage firm serving professionals and high-net-worth clients with insurance, wealth, and pension advice. Overlaps with Corrigo on PKV advisory for high-income earners but operates as a multi-product house.
• CHECK24: Major German comparison portal covering insurance, banking, travel, and more. Overlaps with Corrigo on PKV tariff comparison but is a broad-based marketplace rather than a specialist advisory.
• Finanztip: Non-commercial German consumer finance advisor providing independent guidance on insurance, banking, and investments. Comparable in mission (consumer-side advocacy vs. commission-driven agents) and audience, but covers many topics beyond PKV.

Emerging players

• Ottonova: Digital-first direct PKV insurer targeting high-income employees, self-employed, and freelancers in Germany. Comparable customer segment and digital distribution ethos, but operates as an insurer rather than a tariff-optimization broker like Corrigo.
• Getsafe: Digital insurance broker offering automated insurance management and advice. Comparable as a tech-enabled insurance intermediary serving German consumers, though broader than Corrigo's PKV specialty.

Others

• Debeka: One of Germany's largest PKV insurers with a strong civil-servant (Beamte) customer base. Comparable on the PKV side of Corrigo's customer mix, but operates as the carrier rather than the advisory intermediary.
• Vema: German broker network/cooperation for independent insurance advisors. Comparable in serving the independent insurance broker channel, but functions as an enabling infrastructure provider rather than a direct competitor.
• HUK-COBURG: Large German mutual insurer offering PKV and other lines, including Beamte-focused products. Comparable on the underlying PKV market Corrigo serves, but as a carrier rather than a comparison/optimization specialist.

Direct peers

• Clark: Digital insurance manager/broker that aggregates and optimizes customers' existing insurance contracts via an app-based model. Directly comparable to Corrigo's optimization-and-broking model but with a technology-first rather than specialist-advisor delivery.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/corrigo_ag
• Facebookfacebook.com/PKVTarifwechsel
• LinkedInlinkedin.com/company/about

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Corrigo