HDH VVaG
HDH VVaG is a Munich-based mutual insurance association founded in 1953 that provides BaFin-regulated burial expense insurance to German consumers through a fully digital self-service workflow and an intermediary broker network, offering six tariff variants covering sums up to €8,000.
- Company typePrivate
- Founded1953
- HeadquartersMunich, Germany
- Headcount1–10
- GTM typeB2C
- OfferingServices
HDH VVaG firmographics
Firmographics- Name
- HDH VVaG
- Legal name
- Hinterbliebenenkasse der Heilberufe, Versicherungsverein auf Gegenseitigkeit (VVaG)
- Website
- https://sterbegeld-hdh.de
- Company type
- Private
- Founded year
- 1953
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- HDH VVaG is a Munich-based mutual insurance association founded in 1953 that provides BaFin-regulated burial expense insurance to German consumers through a fully digital self-service workflow and an intermediary broker network, offering six tariff variants covering sums up to €8,000.
- Ownership category
- akta.pro rank
Where HDH VVaG is headquartered
LocationHeadquarters
- HQ city
- Munich
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
HDH VVaG business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Recurring Premium Contributions: HDH earns revenue through ongoing premium payments from policyholders. Policyholders pay regular contributions (monthly, annually, or as a lump sum) throughout the contribution payment period. As a mutual insurance association (VVaG), all profits are returned to members as surplus participations, rebates, or lower premiums. No external shareholders or dividend payments exist.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Tarife 5-65: Premium payment until age 65 |
| Subscription | Monthly | Tarife 5-75: Premium payment until age 75 |
| One time/ perpetual license | Pay-as-you-go | Tarife 5-EB (Einmalbeitrag): Single lump-sum payment |
| Subscription | Monthly | Tarife 5-10, 5-20, 5-30: Fixed duration premium payment (10, 20, or 30 years) |
Go-to-market motion3 records
Distribution channels3 records
Marketing channels7 records
HDH VVaG product offering
Product offeringCore offering
HDH VVaG is a Munich-based mutual insurance association (Versicherungsverein auf Gegenseitigkeit) established in 1953 that provides burial expense insurance (Sterbegeldversicherung) under BaFin supervision. It offers guaranteed sum-insured options up to €8,000 across multiple tariff variants, with no health examination required, fixed premiums, and a fully digital end-to-end application workflow from quote to contract issuance for German consumers and intermediaries.
Product overview
HDH VVaG operates as a pure burial expense insurance provider (Sterbegeldversicherung) founded in 1953, organized as a mutual insurance association (Versicherungsverein auf Gegenseitigkeit) under BaFin supervision. The product portfolio centers on the Sterbegeldversicherung core insurance with multiple tariff variants differentiated by premium payment duration: Tarif 5-65 (until age 65), Tarif 5-75 (until age 75), Tarif 5-EB (single payment), and fixed-period options (Tarif 5-10, 5-20, 5-30). Supporting digital services include the Beitragsrechner (online contribution calculator) and the Vermittlerportal (intermediary portal). The company emphasizes a fully digital workflow from quote to policy issuance. All profits are returned to members as surplus participation.
Differentiator
Problem solved
Functional benefit
Products and services
- Burial Expense Insurance (Sterbegeldversicherung)
Quantifiable outcome
- Payout within 5 business days of complete documentation
- +5 more outcomes
Companies that use HDH VVaG
Customer profileNamed customers4 records
Segments2 records
Ideal customer profiles2 records
HDH VVaG technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
HDH VVaG partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered core and minor.
- Kurhessische Poststerbekasse VVaGcoreHDH merged with the Kurhessische Poststerbekasse VVaG in 2024 via a merger of equals/absorption, extending HDH's member base further. This was announced at an extraordinary delegate assembly on 02.08.2024 and approved by the BaFin.
- AfW (Berufsverband der unabhängigen Finanzdienstleister und Makler)minorHDH became a sustaining/fördermitglied (sustaining member) of the AfW, Germany's professional association for independent financial advisors and brokers (based in Berlin, accredited with the German Bundestag and European Parliament). HDH joined to better understand intermediary concerns, stay informed about regulatory developments, and position itself as a valuable addition to intermediaries' product portfolios.
- Vorsorgeversicherung Nürnberg VAGcoreHDH completed the merger (Bestandsübertragung durch Verschmelzung) of the Vorsorgeversicherung Nürnberg VAG, approved by BaFin and published in the Bundesanzeiger on 7 February 2020. The merger enables cost savings through shared administration, benefiting all insured members. This follows HDH's long-standing strategy of acquiring smaller burial funds to achieve synergies.
- NinebarcminorHDH has a partnership with Ninebarc through which additional services/benefits are offered to HDH insured members. The partnership was referenced on HDH's website showing a video 'HDH ergänzt Leistung für Versicherte in Kooperation mit Ninebarc'.
- Convela (Marktplatz der Abschiedsbranche)minorHDH maintains a presence on Convela, the German funeral industry's marketplace platform, connecting with funeral service providers and potentially reaching end consumers within the burial services ecosystem.
- Fonds Finanz Maklerservice GmbHminorHDH has an active partnership with Fonds Finanz Maklerservice GmbH, a German insurance broker organization. Regional Director Alexander Moor is associated with this partnership, and HDH conducts interviews and presence within this broker network.
Scale indicators5 records
Recent moves7 records
Expansion highlights5 records
HDH VVaG competitors and assessment
Company assessmentBroad incumbents
- HanseMerkur: Hamburg-based insurer offering Sterbegeldversicherung within a broader portfolio of health, life, and travel insurance. Comparable as a direct carrier of burial insurance products serving the German consumer market, though without HDH's mutual/Sterbekasse specialization.
- SIGNAL IDUNA: German mutual insurance group offering life, health, and pension products including burial insurance. Structurally comparable as a mutual insurer competing for the same German consumer cohort, though with substantially larger scale and broader product mix.
- HUK-COBURG: Large German mutual insurer offering Sterbegeldversicherung among its broad personal lines products. Comparable as a mutual competitor in the German burial insurance market, though it operates at much larger scale and offers burial cover as one of many products.
- Allianz Lebensversicherung: Germany's largest life insurer and part of the global Allianz Group, offering burial insurance as part of its life portfolio. Competes with HDH in the same end market (German consumers seeking funeral pre-funding) but through a broader life-insurance delivery model rather than a pure Sterbekasse.
- Concordia Versicherung: Hannover-based mutual insurance group offering health, life, and property coverage including burial insurance. Comparable mutual-structure competitor in the German insurance market targeting similar consumer segments.
- Generali Deutschland: Major German insurance group offering life insurance including burial cover. Competes in the same end market for German consumers seeking funeral pre-funding, though as part of a broad multi-line portfolio.
- LV 1871: Munich-based mutual life insurer (VVaG) offering life insurance products including burial cover. Geographically co-located with HDH and structurally analogous as a mutual life insurer under BaFin supervision, but with a broader product portfolio.
- Debeka Krankenversicherung: Germany's largest mutual insurance association (VVaG) offering health, life, property and casualty coverage including burial insurance. Structurally analogous to HDH as a mutual insurer under BaFin supervision, though with vastly broader product scope and scale.
- Württembergische Versicherung: Mutual German insurer offering life insurance including burial cover as part of a broader portfolio. Competes in the same end market with similar mutual governance structure.
Emerging players
- DELA (Düren): Germany operation of the Netherlands-based DELA cooperative, focused on funeral insurance and end-of-life services. Directly comparable niche focus on Sterbegeld/cooperative burial cover, positioning it as a like-for-like specialist competitor with similar mutual/cooperative ethos.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
HDH VVaG social profiles
Digital presenceHDH VVaG financial estimates
Financial estimateRevenue estimate
Valuation estimate
HDH VVaG leadership team
Management profileNumber of profiles
Profiles5 records
HDH VVaG subsidiaries and ownership
Company hierarchySubsidiaries13 records
HDH VVaG funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HDH VVaG M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HDH VVaG
What does HDH VVaG do?
HDH VVaG is a Munich-based mutual insurance association (Versicherungsverein auf Gegenseitigkeit) established in 1953 that provides burial expense insurance (Sterbegeldversicherung) under BaFin supervision. It offers guaranteed sum-insured options up to €8,000 across multiple tariff variants, with no health examination required, fixed premiums, and a fully digital end-to-end application workflow from quote to contract issuance for German consumers and intermediaries.
Is HDH VVaG a public or private company?
HDH VVaG is a private company. It is classified as management employee owned and is currently operating.
When was HDH VVaG founded?
HDH VVaG was founded in 1953. It employs 1 to 10 people.
Where is HDH VVaG based?
HDH VVaG is headquartered in Munich, Germany, in the Europe region.
How does HDH VVaG make money?
One revenue line is on record: recurring Premium Contributions.
Who are HDH VVaG's main competitors?
Broad incumbents on record are HanseMerkur, SIGNAL IDUNA, HUK-COBURG, Allianz Lebensversicherung, Concordia Versicherung, Generali Deutschland, LV 1871, Debeka Krankenversicherung and Württembergische Versicherung. DELA (Düren) is listed as an emerging player.
Does HDH VVaG have an API?
No public API is recorded for HDH VVaG.