S-Versicherung

What S-Versicherung does

S-Versicherung is an Austrian insurance brand operated by Wiener Städtische Versicherung AG, itself part of the Vienna Insurance Group, distributed exclusively through the Erste Bank and Sparkassen branch network across Austria. The brand offers personal insurance products to Austrian consumers, with a portfolio centred on three core life and pension solutions: sorgenfreie.prämienpension (a state-subsidized Zukunftsvorsorge product with a 4.25% government subsidy, capital guarantee, and tax-free accumulation and payout), aktives.fondsinvest (unit-linked life insurance investing 100% in selected international funds), and sorgenfreies.mixinvest (a hybrid product blending traditional insurance reserve fund stability with international fund exposure). Complementary offerings include s Gesundheitsvorsorge (private supplementary health insurance), sorgenfreier.abschied (funeral insurance), accident, home, and legal protection products. The company targets working individuals and families seeking to close the pension gap between state benefits and desired retirement income and to access premium private healthcare.

Underlying technology consists of a digital insurance services platform rather than proprietary core systems — the losleben App and its web equivalent enable policyholders to submit claims, upload invoices, and view contracts; a public premium calculator (Prämienrechner) hosted on sparkasse.at provides instant health insurance quotes; and the Gesundheitsservices portal aggregates third-party digital health services including TeleDoc online doctor consultations, Austria-Kiosk access to over 450 publications during hospital stays, online birth preparation courses with Deine Geburt, and postpartum recovery kits via Mama Matters. No proprietary AI or ML capability is disclosed; partner integrations are operational integrations rather than AI-native features.

S-Versicherung's business model is recurring insurance premium income from subscription-style policies, with premiums payable as single lump sums or ongoing periodic payments, supplemented by tax-advantaged state subsidies on pension products and by cross-sell of digital health services attached to health policies. Distribution is entirely channel-driven through Erste Bank and Sparkassen branches, a 24/7 service hotline, email support, and digital self-service; pricing is risk-based and product-specific with publicly disclosed structural parameters (4.25% state subsidy ceiling, 4% insurance tax on investment insurance) but no public premium schedules. Revenue figures are not disclosed at the brand level.

Name

S-Versicherung

Legal name

s Versicherung (Eine Marke der WIENER STÄDTISCHE Versicherung AG Vienna Insurance Group)

Website

https://s-versicherung.at

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

11–50 employees

Short description

S-Versicherung is an Austrian insurance brand of Wiener Städtische Versicherung AG (Vienna Insurance Group), distributed exclusively through Erste Bank and Sparkassen, offering private pension, life, health, accident, home, and legal protection insurance to Austrian consumers.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Pension Funds (525110), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

akta.pro secondary industries

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Group AD&D (Standalone or Bundled with Life) (FSAIADAG)

Keywords

• Private pension insurance
• Life insurance products
• Private health insurance
• State-subsidized pension
• Digital insurance services

Headquarters

HQ city

Vienna

HQ country

Austria

HQ region

Europe

Offices8 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums: Recurring premium income from private health insurance, pension insurance, life and death insurance, accident insurance, home insurance, and legal protection insurance products. Premiums can be paid as single lump sums or ongoing periodic payments.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

S-Versicherung is an Austrian insurance brand distributed through Erste Bank and Sparkassen, selling private pension insurance (including state-subsidized sorgenfreie.prämienpension), life and unit-linked investment insurance (aktives.fondsinvest, sorgenfreies.mixinvest), private supplementary health insurance (s Gesundheitsvorsorge), along with funeral, accident, home, and legal protection products. The offering is complemented by a digital services ecosystem including the losleben App, telemedicine via TeleDoc, and the Austria-Kiosk digital newspaper access for hospital patients.

Product overview

S-Versicherung (s Versicherung) is a brand of WIENER STÄDTISCHE Versicherung AG Vienna Insurance Group, distributed through Erste Bank and Sparkassen branches. The product portfolio centers on personal insurance and pension products, including three core life/pension insurance products: sorgenfreie.prämienpension (state-funded pension with 4.25% government subsidy), aktives.fondsinvest (unit-linked investment insurance with 100% fund allocation), and sorgenfreies.mixinvest (combined traditional and fund-based life insurance). These are complemented by digital health services under Gesundheitsservices, including TeleDoc online consultations, Austria-Kiosk digital newspaper access, and online birth preparation courses. The losleben App provides digital claim reporting and policy management. The offering is designed for private individuals seeking pension preparation, investment, and health protection, distributed exclusively through Erste Bank and Sparkassen network.

Differentiator

Problem solved

Functional benefit

Brands

• sorgenfreies.mixinvest: Combined life insurance product combining stable investment in the classic life insurance reserve fund with opportunities of international stock markets
• sorgenfreie.prämienpension
• aktives.fondsinvest
• s Gesundheitsvorsorge
• losleben App

Products and services

• sorgenfreie.prämienpension State-funded pension insurance (prämienbegünstigte Zukunftsvorsorge) offering Austrian consumers a government-subsidized private pension with 10-year minimum lock-in period, capital guarantee, no insurance tax on premiums, tax-free accumulation phase, and lifelong tax-free supplemental pension payments on retirement.
• aktives.fondsinvest Modern unit-linked life insurance that invests capital 100% in selected international investment funds while combining insurance protection. Offers flexible premium payments, optional death benefit, and additional riders (premium waiver for illness, disability, unemployment, family events). Subject to 4% insurance tax.
• sorgenfreies.mixinvest Combined life insurance product blending traditional life insurance stability with fund-based investment opportunities. Part of capital is invested in the traditional insurance reserve fund while the fund-based portion offers international market exposure. Adjustable premiums and withdrawal options available.
• sorgenfreier.abschied Funeral insurance product offered by S-Versicherung for end-of-life coverage, included in the new-customer promotional bundle available through Erste Bank and Sparkassen.
• s Gesundheitsvorsorge Private supplementary health insurance offering Austrian consumers free choice of doctor and clinic as hospital patients, first-class care with additional comfort, supplementary benefits for pregnancy, and access to digital health services.
• losleben App Digital service application that lets S-Versicherung policyholders report insurance claims, submit invoices, and view their contracts from anywhere via mobile app or web version.

Quantifiable outcome

• 4.25% state subsidy on pension contributions up to €3,817.04 annually (€162.22 maximum for 2026)
• +2 more outcomes

Segments2 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature3 records

Partnerships

Four partnerships are on record, tiered core and minor.

• Erste Bank und SparkassencoreChannel Partner/ Reseller/ DistributorPrimary distribution partner for all S-Versicherung products. Erste Bank and Sparkassen branches across Austria serve as the exclusive channel for selling insurance products, providing advisory services, and managing customer relationships on behalf of S-Versicherung.
• Deine GeburtminorStrategic or Co-development PartnerOnline birth preparation course provider. S-Versicherung offers free access to online birth preparation courses for customers with private supplementary health insurance as part of health services offering.
• Mama MattersminorStrategic or Co-development PartnerAustrian mother wellness product brand. Provides Mama Starter Kit (recovery products) to S-Versicherung customers with private supplementary health insurance who enroll in birth preparation courses.
• SonnentorminorGTM or Marketing PartnerAustrian organic product company. Promotional partnership offering Sonnentor gift boxes (organic teas and honey) to customers who newly purchase selected insurance products from January to September 2026.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Market position

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/sparkassen-versicherung-ag-vienna-insurance-group

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 S-Versicherung