dbb vorsorgewerk GmbH

What dbb vorsorgewerk GmbH does

dbb vorsorgewerk GmbH is a Berlin-based insurance intermediary and member benefits platform operated by dbb digital und service GmbH, functioning as the dedicated service facility of the dbb beamtenbund und tarifunion — Germany's largest public service trade union federation representing more than 1.3 million members across 41 member unions and 16 regional associations. Founded in 2002, the company runs the dbb vorteilsClub, a closed-user-group membership portal that aggregates exclusive offers for dbb members and their relatives across insurance (health, dental, disability, life, liability, legal, travel, pet, cyber, E-bike), banking and credit (personal loans, construction financing, building society, checking, wealth management), and lifestyle products (car subscription, package travel, a 1,500+ brand shopping portal, energy switching).

Technically, the platform is built around a web-based member portal with partner Single Sign-On integration (DBV Deutsche Beamtenversicherung, BBBank, Wüstenrot, Swiss Life Select, AXA, ABK, EUROPA), a VersorgungsCheck pension calculator, a Beihilfe-Rechner, and the link-click VorteilsApp Progressive Web App — all without bespoke core AI/ML components disclosed. Marketing is digital-first via newsletter, LinkedIn, Instagram, Facebook, and downloadable PR materials for union representatives.

Commercially, dbb vorsorgewerk earns revenue as an affiliate/referral intermediary: insurance commissions under its §34d Abs. 1 GewO license (registration D-VCMK-ML7K9-51, IHK Berlin), volume-based partner referral fees across banking and lifestyle partners, and a 20% service fee on energy-switching savings through WECHSELPILOT. Membership is free; pricing on individual products is partner-driven and not publicly disclosed. Distribution runs through the Mitgliederagentur phone/email channel (030/4081 6444), partner branch networks, and DBV's ~3,600-advisor field force. The company is a closed-loop, non-profit-oriented service entity rather than a venture-backed growth platform, with no external funding rounds and a core team of approximately 8 employees.

Name

dbb vorsorgewerk GmbH

Legal name

dbb digital und service GmbH

Website

https://dbb-vorteilswelt.de

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

dbb vorsorgewerk GmbH is a Berlin-based insurance intermediary and closed member benefits platform for the 1.3 million members of the dbb beamtenbund und tarifunion, aggregating exclusive insurance, banking, and lifestyle offers from partner brands through the dbb vorteilsClub.

Ownership category

akta.pro rank

Headquarters

HQ city

Berlin

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance and Financial Product Commissions: The company acts as an insurance intermediary (Versicherungsvermittler) with authorization under § 34 d Abs. 1 GewO, earning commissions from partner insurance and financial product sales to union members. Partners include DBV Deutsche Beamtenversicherung, BBBank, Wüstenrot, and Swiss Life Select.
2. Member Platform Services: Free membership platform (dbb vorteilsClub) that aggregates exclusive partner offers. Revenue is generated through volume-based commissions and referral fees from partner companies rather than direct membership fees.
3. Energy Switching Service Commission: WECHSELPILOT energy switching service earns a 20% service fee on achieved savings. Members receive 25 EUR cashback.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

dbb vorsorgewerk GmbH operates as a licensed insurance intermediary (Versicherungsvermittler) and operates the dbb vorteilswelt/dbb vorteilsClub benefits platform that aggregates specially negotiated insurance, financial, and lifestyle products exclusively for dbb beamtenbund und tarifunion union members and their relatives. The company earns commissions and referral fees by routing member demand to partner companies (DBV, BBBank, Wüstenrot, Swiss Life Select, AXA, ABK, FINN, EUROPA, WECHSELPILOT) for civil-servant-tailored products including beihilfe-compliant health insurance, loans, mortgages, building society products, pensions, car subscriptions, shopping, and energy switching.

Product overview

dbb vorsorgewerk GmbH operates the dbb vorteilswelt, a unified member benefits platform (and the dbb vorteilsClub as its gated access layer) that bundles exclusive insurance, financial services, and lifestyle products for dbb trade union members and their relatives. The platform provides access to: (1) Insurance products including health insurance for civil servants (Beihilfe coverage), dental insurance, disability insurance (including Starter-BU for young professionals), term life insurance, accident insurance, liability insurance (private and professional/Diensthaftpflicht), legal expense insurance, property insurance (home contents, buildings, glass), travel insurance, pet insurance, cyber insurance, and E-bike insurance; (2) Financial products including personal loans/Beamtenkredit (ABK FlexoPlus), construction financing (BBBank), modernization loans, building society products (Wüstenrot Wohnsparen), youth building society (Ideal & Clever), home loans, Wohn-Riester, checking accounts (Mehr-Wert-Girokonto), and digital wealth management (MeinInvest); (3) Lifestyle offerings including the dbb autoabo car subscription, package holidays and cruises, an online shopping portal with 1500+ brands, and an energy switching service (WECHSELPILOT). Key online tools include the VersorgungsCheck (pension calculator) and Beihilfe-Rechner (government subsidy calculator), plus the VorteilsApp PWA for comparing membership costs against benefits. Members access partner platforms (DBV Deutsche Beamtenversicherung, BBBank, Wüstenrot, Swiss Life Select) via Single Sign-On through the dbb vorteilsClub.

Differentiator

Problem solved

Functional benefit

Brands

• dbb vorteilsClub: A membership club platform that provides access to exclusive member benefits including shopping discounts, auto subscriptions, travel deals, and financial products for dbb members and their relatives.

Products and services

• dbb vorteilsClub Membership benefits platform providing registered dbb union members and their relatives with single sign-on access to exclusive insurance, financial, shopping, and travel offers from partner companies.
• Krankenversicherungsschutz für Beihilfeberechtigte (Civil Servant Health Insurance) Health insurance coverage specifically designed for civil servants eligible for government Beihilfe subsidies, offered in cooperation with DBV Deutsche Beamtenversicherung.
• Private Krankenversicherung für Arbeitnehmer Private health insurance for public sector employees, including Tarife B with 3% contribution discount for dbb members.
• Anwartschaftsversicherung Insurance providing future entitlement to private health insurance coverage regardless of health changes.
• Pflegevorsorge (Long-term Care Insurance) Long-term care insurance to protect against costs associated with needing care.
• Krankenzusatzversicherungen Supplementary health insurance policies covering gaps in statutory health insurance.
• Zahnvorsorge / Zahnzusatzversicherung DENT Dental supplementary insurance covering dental treatment, prosthetics, prophylaxis, and orthodontics costs.
• Dienst- und Berufsunfähigkeitsabsicherung Disability insurance protecting civil servants and public sector employees from loss of income due to occupational disability, including Starter-BU for young professionals.
• Risiko-Lebensversicherung (EUROPA) Term life insurance from EUROPA Versicherung offering coverage from a few euros per month, particularly for teachers, administrative civil servants, and police officers.
• Private Rentenversicherung / ÖD Fonds-Rente (JustInvest ÖD) Private pension insurance with sustainable investment funds, combining retirement savings with occupational disability protection.
• Staatlich geförderte Altersvorsorge (Riester-Rente) State-supported retirement provision including Riester-Rente and other government-subsidized pension products.
• Sterbegeldversicherung (IDEAL) Burial expense insurance covering funeral costs.
• Unfallversicherung Accident insurance providing protection against financial consequences of private accidents.
• Haftpflichtversicherung Private liability insurance covering personal and pet owner liability.
• Diensthaftpflicht / Vermögensschadenhaftpflicht Professional liability insurance for civil servants protecting against claims arising from work-related damages.
• Rechtsschutzversicherung Legal expense insurance covering legal costs, flexibly customizable.
• Hausratversicherung Home contents insurance protecting household belongings against damage and loss.
• Wohngebäude- und Glasversicherung Building insurance and glass insurance for homeowners.
• Internetschutz (Cyber Insurance) Cyber insurance protecting against online risks and internet-related damages.
• Tierhalterhaftpflicht / Hundehaftpflicht Pet owner liability insurance, including dog owner liability coverage.
• Tier-OP und Tier-Krankenversicherung Pet surgery and health insurance covering veterinary costs.
• E-Bike-Versicherung Insurance coverage specifically for electric bicycles.
• Auslandsreise-Krankenversicherung (singleTRAVEL) Foreign travel health insurance available from 7.92 euros, covering trips up to 56 days worldwide, bookable until shortly before departure.
• Reiseversicherung Travel insurance packages.
• Reiserücktrittsversicherung Travel cancellation insurance.
• Reisegepäckversicherung Travel baggage insurance.
• dbb autoabo (Car Subscription) Car subscription service offering all-inclusive vehicle access including insurance, maintenance, TÜV inspection, and home delivery; many electric vehicles available.
• Reisen (Pauschalreisen & Kreuzfahrten) Package holidays and cruise travel offers through partner portals.
• Online Einkaufsportal / Shoppingwelt Online shopping portal with 1500+ brand-name providers offering discounts for dbb members, accessible through dbb vorteilsClub.
• Wechselservice für Strom & Gas (WECHSELPILOT) Energy provider switching service offering average savings of 360 euros per year, with 25 euro cashback for dbb members.
• Privatkredit / Beamtenkredit (ABK FlexoPlus) Personal loans for civil servants and public sector employees from ABK Allgemeine Beamten Bank AG with 0.2 percentage point interest rate advantage, from 4.39% effective annual interest, amounts from 1,000 to 100,000 euros.
• Baufinanzierung (BBBank) Construction financing through BBBank with favorable rates and best-BBBank-interest price match guarantee.
• Modernisierungskredit Modernization loan from BBBank for amounts under 50,000 euros with quick processing and approval within 24 hours on business days.
• Bausparen / Wohnsparen (Wüstenrot) Building society products through Wüstenrot including Wohnsparen Kompakt, Komfort, Premium, and Trend, with 50% reduction in conclusion fee for dbb members.
• Jugend-Bausparen (Ideal & Clever) Youth building society products with 3.5% interest on savings up to 1,500 euros in first year, available from age 16 with state subsidies.
• Sofortdarlehen / Wohndarlehen (Wüstenrot) Immediate loans from Wüstenrot for housing purposes.
• Wohn-Riester Riester-funded home ownership product with state subsidies for faster equity building.
• Konto (Mehr-Wert-Girokonto / BBBank) Checking account from BBBank with 50 euro starting credit for dbb members, including a young account option for under-30s.
• MeinInvest (Digital Wealth Management) Digital wealth management service with actively managed investment funds and ETFs, considering sustainability criteria.
• Vermögensverwaltung (BBBank) Asset management from BBBank including actively managed investment funds and passive index funds.
• VorteilsApp (Progressive Web App) Mobile Progressive Web App allowing members to calculate and visualize annual union fees versus exclusive member benefits, accessible via link-click without download.
• VersorgungsCheck (Pension Calculator) Online tool for civil servants and public sector employees to calculate pension entitlements and coverage in case of occupational disability.
• Beihilfe-Rechner (Government Subsidy Calculator) Calculator for civil servants to find optimal health insurance matching their government Beihilfe entitlements.

Quantifiable outcome

• Up to 50% insurance premium discounts for members
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Partnerships

Nine partnerships are on record, tiered flagship, core and minor.

• DBV Deutsche BeamtenversicherungflagshipStrategic or Co-development PartnerKey insurance partner since dbb vorsorgewerk founding in 2002. Specializes in insurance products for civil servants and public sector employees including life, health, liability, and accident insurance. Offers exclusive pricing and conditions for dbb members with up to 50% savings on premiums.
• BBBankflagshipStrategic or Co-development PartnerCooperative bank founded in 1921 by civil servants. Partnership since 2007 provides dbb members with favorable loan rates, construction financing, current accounts, and investment products. Offers 'Better Banking' approach with best BBBank interest rate guarantee for members.
• Wüstenrot BausparkassecoreStrategic or Co-development PartnerGermany's second-largest private building society with over 3 million customers. Provides home savings contracts and construction financing with 50% commission fee discount for dbb members. Specialist for public sector employees.
• Swiss Life SelectcoreChannel Partner/ Reseller/ DistributorFinancial advisory firm providing holistic consultation on insurance and retirement planning. Offers product-cross advisory with multiple discounts and rebates for dbb members. Specialized in public sector occupational protection.
• WECHSELPILOTminorGTM or Marketing PartnerIndependent energy switching service that handles annual tariff reviews and provider changes. Offers average 360 EUR annual savings with 25 EUR cashback for dbb vorteilsClub members. Service funded by 20% commission on achieved savings.
• AXA Versicherung AGcoreStrategic or Co-development PartnerMajor insurance provider for health and dental supplementary insurance products. Offers beihilfe-compatible insurance calculators and special rates for dbb members including 3% contribution discount.
• ABK Allgemeine Beamten Bank AGcoreStrategic or Co-development PartnerBank specializing in civil servant financing. Offers FlexoPlus credit with 0.2 percentage point interest advantage for dbb members. Specialized loan products for public sector employees.
• dbb autoabo (FINN)minorGTM or Marketing PartnerCar subscription service offering all-inclusive vehicle access with insurance, maintenance, and TUV included. Home delivery to desired date. Many electric vehicles available. Exclusive access through dbb vorteilsClub.
• Europäische Reiseversicherung (EUROPA)minorStrategic or Co-development PartnerProvides risk life insurance with particularly favorable rates for teachers, administrative civil servants, and police officers. Protection starting from a few euros per month.

Scale indicators6 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• HUK-COBURG: Large German mutual insurer offering motor, property, liability, and life products to a broad consumer base including civil servants; competes for the same household P&C and life wallet that dbb vorsorgewerk distributes through partners.
• CosmosDirekt: Germany's largest direct insurer (online/telephone distribution) offering life, health, and P&C directly to consumers; bypasses intermediaries and competes for the same digital-first insurance purchase that dbb vorsorgewerk facilitates.
• Allianz Deutschland: Germany's largest insurance carrier offering a full P&C, life, and health portfolio including Beihilfe products; overlaps with dbb vorsorgewerk's partner offerings and competes for the same end customer across multiple product categories.
• Debeka: Germany's largest mutual insurer with deep civil-servant and public-sector focus, offering health, life, and P&C products to a similar Beamte demographic; competes for the same insurance wallet while operating as a full carrier rather than a broker.

Direct peers

• Check24: Germany's leading price-comparison and broker portal for insurance, banking, and energy; serves as the most direct aggregator/model competitor to dbb vorteilswelt and competes for the same member-driven insurance-switching activity.
• Verivox: Major German comparison portal across insurance, energy, and financial products; comparable aggregator/broker business model targeting the same consumer insurance-shopping behavior that dbb vorsorgewerk captures via WECHSELPILOT and partner portals.
• DBV Deutsche Beamtenversicherung: Specialist insurer for civil servants and public-sector employees; although a flagship partner of dbb vorsorgewerk, it independently sells through its 3,600-advisor field network into the same Beihilfe and Beamten market, making it the closest comparable carrier for the target segment.

Regional players

• Bayerische Beamten Versicherung (BBV): Civil-servant-focused insurer historically strong in Bavaria; targets the same Beamte demographic with Beihilfe-compatible products, comparable to dbb vorsorgewerk's specialization but concentrated in a single German region.

Emerging players

• Clark: Digital insurance broker/managing platform in Germany that analyzes, optimizes, and bundles personal insurance lines; competes for the same digitally engaged insurance customer that dbb vorsorgewerk serves through its portal.
• Getsafe: German insurtech providing a digital insurance-manager app that aggregates and manages policies for consumers; a direct functional competitor to the dbb vorteilsClub platform with stronger direct-to-consumer tech orientation.

Market position

Strengths1 record

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xfacebook.com/dbb.vorteilswelt
• Facebookfacebook.com/dbb.vorteilswelt
• LinkedInlinkedin.com/company/dbb-vorsorgewerk-gmbh
• Instagraminstagram.com/dbbvorteilswelt.de

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 dbb vorsorgewerk GmbH