Nordrheinische Ärzteversorgung

What Nordrheinische Ärzteversorgung does

Nordrheinische Ärzteversorgung (NÄV) is a statutory professional pension fund (berufsständisches Versorgungswerk) established in 1958 as an institution of the Ärztekammer Nordrhein, operating as a Körperschaft des öffentlichen Rechts (public-law corporation) under the supervision of the Ministry of Finance of North Rhine-Westphalia. It provides mandatory old-age, occupational disability, and survivor pension coverage to over 66,000 physician members in the Nordrhein region of Germany, with over 24,000 current benefit recipients. Its core products are the Altersrente (old-age pension, flexible from age 60/62), Berufsunfähigkeitsrente (occupational disability pension with child supplements), Hinterbliebenenrente (survivor's pension at 60% for widows/widowers, 15% for half-orphans, 30% for full orphans), and ancillary benefits including death benefits and rehabilitation subsidies. Contributions are calculated on an open funding plan basis (offenes Deckungsplanverfahren), with employed physicians paying contributions equivalent to statutory pension insurance and self-employed physicians paying percentages of practice revenue or KV-billing transactions.

The organization's revenue model is subscription-recurring in nature: mandatory monthly pension contributions (Versorgungsabgaben) collected via employer payroll channels for employed physicians, forwarded through Kassenärztliche Vereinigung Nordrhein for self-employed physicians with KV billing, or paid directly for other self-employed members. Distribution is concentrated on direct member service through a digital infrastructure that includes the Mitgliederportal (member self-service portal at mipo.naev.de), the Rentensimulation (online pension calculator at rente.naev.de), and an electronic exemption procedure integrated with Deutsche Rentenversicherung Bund. The operating model is exceptionally capital-light, serving 66,000+ members and 24,000+ beneficiaries with only 12 employees. Strategic banking partnerships extend a non-core Hypothekendarlehen (mortgage loan) product to members through six regional partner banks. The organization is governed by a dual Geschäftsführer structure, an elected Verwaltungsausschuss chaired by the Präsident of Ärztekammer Nordrhein, and operates under industry affiliation with ABV (Arbeitsgemeinschaft berufsständischer Versorgungseinrichtungen).

Name

Nordrheinische Ärzteversorgung

Legal name

Nordrheinische Ärzteversorgung

Website

https://nordrheinische-aerzteversorgung.de

Company type

Private

Founded year

1958

Operating status

Operating

Headcount range

11–50 employees

Short description

Nordrheinische Ärzteversorgung (NÄV) is a statutory public-law professional pension fund serving over 66,000 physicians in Germany's Nordrhein region. Founded in 1958 as an institution of Ärztekammer Nordrhein, it provides mandatory old-age, occupational disability, and survivor pension benefits with digitally-enabled member self-service.

Ownership category

akta.pro rank

Headquarters

HQ city

Düsseldorf

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Technology or R&D

Revenue model

1. Pension Contributions (Versorgungsabgaben): Compulsory monthly pension contributions from members. Employed physicians exempted from statutory pension insurance pay contributions equal to statutory pension insurance amounts. Self-employed physicians pay based on practice revenue. Contributions fund retirement, disability, and survivor benefits.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels3 records

Core offering

Nordrheinische Ärzteversorgung (NÄV) is the professional pension provider for physicians and psychotherapists in the Nordrhein region of Germany. Operating as a Körperschaft des öffentlichen Rechts (public-law corporation) under the Ärztekammer Nordrhein, it administers mandatory old-age, occupational disability, and survivor's pension benefits to its members, while also offering member digital services and select mortgage lending.

Product overview

Nordrheinische Ärzteversorgung operates as a unified occupational pension scheme for physicians in North Rhine, Germany. The core offering consists of a comprehensive pension system providing old-age pensions (Altersrente), occupational disability pensions (BU-Rente), and survivor pensions (Hinterbliebenenrente), supplemented by death benefits and rehabilitation support. Digital services include the Mitgliederportal (member self-service portal) for accessing insurance data, submitting changes, and downloading certificates, as well as the Rentensimulation (online pension calculator) for estimating benefits. Contributions are managed through employer deductions, Kassenärztliche Vereinigung billing, or direct payment, with tiered rates for employed versus self-employed physicians.

Differentiator

Problem solved

Functional benefit

Products and services

• Old-age Pension (Altersrente)
• Occupational Disability Pension (Berufsunfähigkeitsrente)
• Survivor's Pension (Hinterbliebenenrente)
• Member Portal (Mitgliederportal)
• Pension Calculator (Rentensimulation)
• Mortgage Loans (Hypothekendarlehen)

Quantifiable outcome

• Full insurance cover immediately after payment of first contribution (no waiting periods)
• +3 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered minor and core.

• ABV – Arbeitsgemeinschaft berufsständischer Versorgungseinrichtungen e.V.minorOthersNÄV is a member of ABV, the working group of professional pension schemes in Germany. This affiliation provides networking and best practice sharing among German professional pension institutions.
• Ärztekammer NordrheincoreStrategic or Co-development PartnerNÄV is an institution of Ärztekammer Nordrhein (North Rhine Medical Council), a corporation under public law. The Medical Council establishes and oversees the pension scheme.
• Deutsche Rentenversicherung BundcoreOthersProcesses exemption applications from statutory pension insurance in favor of NÄV. Decision on exemption is made by Deutsche Rentenversicherung Bund.
• National-Bank AG EssenminorOthersPartner bank for mortgage loans (Hypothekendarlehen) offered by NÄV to members.
• Gladbacher Bank AGminorOthersPartner bank for mortgage loans (Hypothekendarlehen) offered by NÄV to members.
• Volksbank Düsseldorf Neuss eGminorOthersPartner bank for mortgage loans (Hypothekendarlehen) offered by NÄV to members.
• Vereinigte Volksbank Münster eGminorOthersPartner bank for mortgage loans (Hypothekendarlehen) offered by NÄV to members.
• VR-Bank Memmingen eGminorOthersPartner bank for mortgage loans (Hypothekendarlehen) offered by NÄV to members.
• Oldenburgische Landesbank AGminorOthersPartner bank for mortgage loans (Hypothekendarlehen) offered by NÄV to members.
• Kassenärztliche Vereinigung NordrheincoreChannel Partner/ Reseller/ DistributorClearing office that forwards pension contributions for self-employed physicians who use KV Nordrhein for billing. This partnership enables seamless contribution collection.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Market position

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nordrheinische-aerzteversorgung

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 Nordrheinische Ärzteversorgung