AXA Assistance Deutschland GmbH

What AXA Assistance Deutschland GmbH does

AXA Assistance Deutschland GmbH is the German operating branch of Inter Partner Assistance S.A., itself a subsidiary within the AXA PARTNERS division of the Paris-headquartered AXA Group. The company provides direct-to-consumer travel insurance products to German consumers, structured around three core offerings: Reiserücktrittsversicherung (travel cancellation insurance), Auslandskrankenversicherung (foreign health insurance), and Jahresreiseversicherung (annual travel insurance). These are sold through three tiered packages (Silber, Gold, Platin) that build progressively from basic cancellation coverage to comprehensive all-inclusive protection including up to EUR 20 million in foreign medical coverage. Specialized variants address families (up to 2 adults and 5 children under one policy) and seniors (insurable up to age 85 with pre-existing condition coverage subject to a 6-month no-treatment rule). The company states millions of insured customers and serves travelers globally with 24/7 German-language emergency assistance.

The technology stack is a fully digital insurance platform comprising an online premium calculator, real-time checkout supporting Visa, Mastercard, Visa Electron, and SEPA direct debit, and the YOUR PASS digital insurance card distributed via Apple Wallet, Google Wallet, and YourWallet (Android) with push-notification capabilities. Telemedicine service provides German-speaking doctor consultations daily from 8 to 21 hours. The e-shop is technically operated by the Czech sister entity AXA Assistance CZ, s.r.o. in Prague. GDPR and CCPA cookie consent management is implemented, and the entity is licensed by BaFin (Nr. 7956 via cross-border services; Nr. 5788 via German branch) and supervised by ACPR in France. Payment processing implies PCI DSS compliance. Versicherungsombudsmann e.V. membership provides independent dispute resolution.

The go-to-market is direct-to-consumer, digital-first, with no broker or intermediary distribution. Customers purchase policies online at www.axa-assistance.de or via phone, with immediate coverage upon payment. Revenue is generated through insurance premiums on either single-trip or annual subscription basis, with pricing influenced by trip price, traveler age, number of insured persons, trip duration, destination region, and deductible choice (20% self-participation option). An early booking discount of 20% is offered. The company markets through its website, a content travel blog covering destinations (Egypt, Azores, Alicante, Lake Garda, Zanzibar), FAQ/help center content, and email/newsletter CRM. Distribution is geographically anchored in Germany with sister operations across the Czech Republic, Slovakia, Poland, Hungary, Austria, and Romania.

Name

AXA Assistance Deutschland GmbH

Legal name

Inter Partner Assistance S.A., Direktion für Deutschland

Website

https://axa-assistance.de

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

AXA Assistance Deutschland GmbH is the German branch of AXA Group's travel insurance business, offering direct-to-consumer travel cancellation, foreign health, and annual travel insurance to millions of German consumers through a fully digital platform with 24/7 German-language emergency assistance and telemedicine.

Ownership category

akta.pro rank

Headquarters

HQ city

Köln

HQ country

Germany

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Travel Insurance Premiums: The company generates revenue through annual or single-trip insurance premiums. Customers pay for coverage including trip cancellation, travel interruption, foreign health insurance, luggage insurance, liability insurance, and accident insurance depending on the selected tier (Silber, Gold, Platin). Premiums are calculated based on trip price, traveler age, number of insured persons, trip duration, destination region, and chosen deductible.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

AXA Assistance Deutschland sells travel insurance products to German consumers via a direct-to-consumer digital platform at www.axa-assistance.de. Core offerings include Reiserücktrittsversicherung (trip cancellation), Auslandskrankenversicherung (foreign health), and Jahresreiseversicherung (annual multi-trip) insurance, each available in Silber (Silver), Gold, and Platin (Platinum) coverage tiers, with specialized family and senior tariffs. Customers can purchase policies online, manage them through mobile wallet apps via the YOUR PASS digital card, and access a 24/7 German-language emergency hotline worldwide.

Product overview

AXA Assistance Deutschland GmbH offers a modular travel insurance platform organized around three main products: Reiserücktrittsversicherung (Travel Cancellation Insurance), Auslandskrankenversicherung (Foreign Health Insurance), and Jahresreiseversicherung (Annual Travel Insurance). These core products are available in three pricing tiers—Silber (Silver), Gold, and Platin (Platinum)—that build upon each other, with Silver providing basic cancellation coverage, Gold adding baggage, liability, and optional health insurance, and Platinum offering comprehensive coverage including included health insurance up to €20 million, accident coverage, and travel inconvenience protection. Specialized offerings include Family tariffs (covering up to 5 children) and Senior tariffs (insurable up to age 85). The digital service layer includes the YOUR PASS digital insurance card available through Apple Wallet, Google Wallet, and YourWallet for policy access and notifications.

Differentiator

Problem solved

Functional benefit

Products and services

• Reiserücktrittsversicherung (Travel Cancellation Insurance)

Quantifiable outcome

• Up to 20 million EUR coverage for foreign medical treatment
• +5 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

Feature3 records

Partnerships

Five partnerships are on record, tiered core and minor.

• AXA DeutschlandcoreStrategic or Co-development PartnerAXA Deutschland is a sister company within the AXA Group, offering life, health, and property insurance in Germany. AXA Assistance Deutschland operates in close cooperation with AXA Deutschland as part of the international AXA network, enabling the provision of tailored offerings and first-class service to customers.
• AXA Partners S.A.S. (Credit & Lifestyle Protection)coreStrategic or Co-development PartnerPart of the AXA PARTNERS group alongside AXA Assistance Deutschland GmbH and Inter Partner Assistance Service GmbH. AXA PARTNERS is a leading provider of insurance, assistance services, and solutions in core markets including banking, insurance, automotive, health, energy, telecommunications, and retail & e-commerce.
• Inter Partner Assistance Service GmbHcoreStrategic or Co-development PartnerPart of the AXA PARTNERS group, operating alongside AXA Assistance Deutschland GmbH and AXA Partners S.A.S. (Credit & Lifestyle Protection) to provide insurance and assistance services.
• Inter Partner Assistance S.A.coreStrategic or Co-development PartnerThe parent insurance company (Versicherungsgesellschaft) headquartered in Malakoff, France, with German branch (Direktion für Deutschland) located in Cologne. Licensed by BaFin (Nr. 7956 via service provision, Nr. 5788 via German branch) and supervised by ACPR in France and BaFin in Germany.
• Versicherungsombudsmann e.V.minorOthersAXA Assistance is a member of the Versicherungsombudsmann e.V. dispute resolution scheme, allowing consumers to use free arbitration proceedings for insurance contract disputes.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• SafetyWing: SafetyWing is a digital-first insurtech offering travel and nomad health insurance globally with subscription-based pricing. While not a direct Germany-focused competitor, it represents the emerging digital-only model that could pressure traditional travel insurers' premium volumes over time.

Broad incumbents

• Generali Travel Insurance: Generali Deutschland is a large multi-line insurer within the global Generali Group. It offers travel insurance alongside life, health, and P&C products — overlapping with AXA Assistance but not specializing in travel.
• Zurich Travel Insurance: Zurich (including the former AIG Travel business it acquired) is a major global insurer with travel offerings through its German operations. It is a broad incumbent competing in German travel insurance but not specialized in the niche.

Direct peers

• Signal Iduna Reiseversicherung: Signal Iduna is a German mutual insurance group with a dedicated travel insurance offering. It targets similar German consumer segments (families, seniors, frequent travelers) and competes for the same digital-DTC customer.
• Barmenia Reiseversicherung: Barmenia is a German insurance group offering travel insurance as part of a multi-line portfolio. It competes with AXA Assistance in trip cancellation and foreign health coverage for German consumers.
• ERV (Europäische Reiseversicherung): ERV is a long-established German travel insurance specialist, part of Munich Re Group. It offers trip cancellation, health, baggage, and annual policies across Silber/Gold/Platin-equivalent tiers — overlapping almost product-for-product with AXA Assistance's portfolio.
• ADAC Reiseversicherung: ADAC, Germany's largest automobile club, offers travel insurance products to its ~21 million members. Member-tied distribution and brand affinity make it a strong direct competitor particularly in family and senior travel segments.
• Würzburger Versicherungs-AG: Würzburger specializes in German travel and mobility insurance with a direct-to-consumer digital platform. Its product range and digital focus closely mirror AXA Assistance Deutschland's positioning.
• Allianz Travel: Allianz Travel is the travel insurance arm of Allianz, the largest German insurer. It offers trip cancellation, foreign health, and annual travel insurance directly to German consumers with strong brand recognition, making it the closest direct competitor to AXA Assistance Deutschland.
• HanseMerkur Reiseversicherung: HanseMerkur is a major German mutual insurer with a significant travel insurance business. It sells trip cancellation, foreign health, and annual policies direct-to-consumer and through travel agents, competing directly with AXA Assistance in the German market.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/axa-assistance-deutschland-gmbh

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries2 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 AXA Assistance Deutschland GmbH