Versorgungswerk Der Apothekerkammer Nordrhein Kdör

What Versorgungswerk Der Apothekerkammer Nordrhein Kdör does

Versorgungswerk der Apothekerkammer Nordrhein (VANR) is a statutory occupational pension institution (Versorgungswerk) established under German public law by the Apothekerkammer Nordrhein (Pharmacists' Chamber of North Rhine). It provides mandatory pension insurance for licensed pharmacists practicing in the North Rhine-Westphalia region of Germany. Operating as a Körperschaft des öffentlichen Rechts (public law corporation), VANR is the exclusive provider of this statutory function within its jurisdiction, with membership compulsory for all pharmacists registered with the chamber. Contributions are collected via SEPA mandate and governed by German pension law and the organization's own regulations rather than market-based pricing.

The organization's product portfolio centers on three statutory benefit lines: old-age pension (Altersrente), occupational disability pension (Berufsunfähigkeitsrente), and survivor's pension (Hinterbliebenenrente). It also administers advisory and exemption services regarding contribution obligations to statutory health insurance (GKV), private health insurance (PKV), pension insurance for retired persons (KVdR), and exemption from the German statutory pension system (DRV). The primary digital service channel is the Mitgliederportal (member portal), which provides members with self-service access to correspondence, personal data management, standardized forms, SEPA direct debit management, and a Rentensimulation (pension simulation) tool.

VANR is a private, non-listed entity with no parent company and no subsidiaries. It employs 51-100 staff, is headquartered in Düsseldorf, and confines its operating geography to North Rhine-Westphalia, Germany. Its revenue model is regulatory rather than competitive — funded by mandatory member contributions — and financial details are not publicly disclosed. Marketing and distribution occur almost exclusively through vanr.de and the member portal, reflecting the absence of competitive customer acquisition dynamics.

Name

Versorgungswerk Der Apothekerkammer Nordrhein Kdör

Legal name

Versorgungswerk der Apothekerkammer Nordrhein Körperschaft des öffentlichen Rechts

Website

https://vanr.de

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Versorgungswerk der Apothekerkammer Nordrhein (VANR) is a statutory German public-law pension institution providing mandatory old-age, disability, and survivor benefits to licensed pharmacists in North Rhine-Westphalia.

Ownership category

akta.pro rank

Product category

Occupational Pension Fund

NAICS

Pension Funds (525110), Pension Funds (52511), Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Pensions & Retirement Benefits Administration (BPAIAKAA)

Keywords

• Occupational pension scheme
• Pharmacist pension fund
• Disability pension benefits
• Survivor pension benefits
• Statutory pension institution

Headquarters

HQ city

Düsseldorf

HQ country

Germany

HQ region

Europe

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure

Revenue model

1. Pension Contributions: Mandatory contributions from pharmacist members in North Rhine, Germany, forming the primary funding source for pension obligations. Contributions are collected via SEPA mandate and managed according to German pension law.

Distribution channels1 record

Marketing channels1 record

Core offering

Versorgungswerk Der Apothekerkammer Nordrhein Kdör is a public-law pension institution that administers the mandatory occupational pension scheme for licensed pharmacists in the North Rhine region of Germany. It provides old-age, occupational disability, and survivor's pension benefits, and offers member self-service through a member portal along with advisory on statutory health and pension insurance contributions.

Product overview

Versorgungswerk der Apothekerkammer Nordrhein (VANR) is a compulsory pension fund (Versorgungswerk) for pharmacists in the North Rhine region of Germany. The organization operates as a single unified platform offering a member portal (Mitgliederportal) as its primary digital service channel, complemented by a portfolio of pension benefit products including old-age pension (Altersrente), occupational disability pension (Berufsunfähigkeitsrente), survivor's pension (Hinterbliebenenrente), and contribution advisory services. The member portal provides integrated access to pension simulation tools, digital forms, SEPA direct debit management, and membership administration services.

Differentiator

Problem solved

Functional benefit

Products and services

• Mitgliederportal (Member Portal) Online self-service portal that allows pharmacist members to access their pension account, view benefits, submit forms, and manage their membership with VANR.
• Altersrente (Old-age Pension) Statutory old-age pension benefit paid to pharmacist members upon reaching retirement age under the VANR scheme.
• Berufsunfähigkeitsrente (Occupational Disability Pension) Pension benefit provided to members who become occupationally disabled and unable to continue practicing as pharmacists.
• Hinterbliebenenrente (Survivor's Pension) Pension benefit paid to surviving dependents of deceased pharmacist members, providing income protection to widows, widowers, and orphans.
• Beitragsberatung GKV, PKV, KVdR (Health and Pension Insurance Contribution Advisory) Advisory service that informs pharmacist members about statutory health insurance (GKV), private health insurance (PKV), and the pharmacists' pension insurance (KVdR) contribution obligations and coordination.
• Antrag Befreiung DRV (DRV Exemption Application Support) Assistance to pharmacist members in applying for exemption from the mandatory German statutory pension insurance (Deutsche Rentenversicherung) due to their VANR membership.

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves4 records

Expansion highlights3 records

Others

• apoBank (Deutsche Apotheker- und Ärztebank): Cooperative bank serving pharmacists and other healthcare professionals in Germany. Adjacent ecosystem player — same target customer base (German pharmacists) but provides banking, financing, and wealth services rather than pension administration.

Broad incumbents

• Deutsche Rentenversicherung Bund: Germany's federal statutory pension insurance carrier — the national pension scheme from which Versorgungswerk members can apply for exemption (Befreiung DRV). Provides the broader pension backdrop in which VANR operates as a professional exemption scheme.
• Bayerische Versorgungskammer: Large Bavarian public-law institution administering mandatory pension and insurance schemes for multiple professional chambers (physicians, pharmacists, engineers, architects, etc.). Comparable statutory pension administration model but at much broader scale and multi-profession footprint.

Direct peers

• Versorgungswerk der Bayerischen Apothekerkammer: The mandatory occupational pension scheme for pharmacists in Bavaria. Direct peer: same profession and product portfolio as VANR, but operating in a different regional jurisdiction within Germany.
• Versorgungswerk der Apothekerkammer Berlin: Mandatory pension institution for pharmacists registered with the Berlin Chamber of Pharmacists. Direct peer offering the same statutory Versorgungswerk product set to a different regional pharmacist pool.
• Versorgungswerk der Apothekerkammer Westfalen-Lippe: The mandatory pension scheme for pharmacists in the Westfalen-Lippe region of Germany. Direct peer: same profession (pharmacists), same occupational pension product set (old-age, disability, survivor), parallel statutory structure under German public law.

Regional players

• Versorgungswerk der Zahnärztekammer Nordrhein: Statutory pension scheme for dentists in the same North Rhine region. Comparable product architecture (occupational old-age, disability, survivor benefits) administered as a public-law Körperschaft, but for a different professional chamber.
• Versorgungswerk der Architektenkammer Nordrhein-Westfalen: Mandatory pension scheme for architects in the same NRW jurisdiction. Parallels VANR's structure (public-law Körperschaft, regional monopoly for a defined profession) but serves a different professional pool with distinct demographic and economic exposure.
• Versorgungswerk der Rechtsanwaltskammer Hamm: Statutory pension institution for lawyers admitted to the Hamm Bar (covering Westphalia). Comparable public-law Versorgungswerk model with same lifecycle benefit portfolio but serves a different professional pool.
• Versorgungswerk der Ärztekammer Nordrhein: The mandatory pension scheme for physicians in North Rhine. Operates the same public-law Versorgungswerk framework with comparable benefit products but for a larger and economically different professional pool.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Versorgungswerk Der Apothekerkammer Nordrhein Kdör