Insurer profile
MuKi Mutual Insurance Association (MuKi Versicherungsverein auf Gegenseitigkeit)
MuKi Mutual Insurance Association (MuKi Versicherungsverein auf Gegenseitigkeit) · Austria
Overview
muki Versicherungsverein auf Gegenseitigkeit is an Austrian mutual insurance association offering health, accident, motor, legal protection and property insurance, founded in 1988 in Salzburg as the association "Mutter und Kind im Krankenhaus" and renamed to its current form in 2004; it is headquartered in Bad Ischl and focuses on family-oriented insurance products distributed through independent sales partners across Austria.
Source23
Products in this market
3
Offer pages
Company details
- Regulator
- Austrian Financial Market Authority (FMA)
- Phone
- +43 5 0665 1000
- [email protected]
Products from MuKi Mutual Insurance Association (MuKi Versicherungsverein auf Gegenseitigkeit)
Motor3
muki Motor Third-Party Liability Insurance (Kfz-Haftpflicht Exklusiv)
Mandatory motor liability insurance for cars and motorcycles with cover up to €35 million, offered digitally or with personal advice.
muki Motor Comprehensive Insurance (Kfz-Kasko Exklusiv)
Partial and fully comprehensive motor insurance covering fire, theft, glass breakage, animal collisions and accident damage, including assistance services.
muki Motorcycle Insurance
Liability and casco insurance tailored to motorcycles and mopeds.
Property3
muki Household Insurance (Haushaltsversicherung)
Household contents insurance covering fire, storm, burglary, water damage and includes private liability cover, available in Standard and Exklusiv tariffs.
muki Home/Building Insurance (Eigenheimversicherung Exklusiv)
Building insurance protecting houses against fire, storm, natural hazards and other structural damage, including 24h assistance.
muki Commercial All-Risk Insurance (allRisk Gewerbeversicherung)
All-risk commercial insurance for SMEs covering buildings, business contents, business interruption and technology, insuring against all perils not explicitly excluded.
Health11
muki Equestrian Accident Insurance (Reiterunfall)
Accident insurance designed specifically for horse riders covering injuries sustained while riding.
muki FamilyPlus
Combined family package covering special-class hospital treatment after accidents, excess reimbursement for children and integrated travel cancellation/medical cover abroad.
muki Sonderklasse Exklusiv (Private Hospital Insurance)
Private hospital insurance giving free choice of hospital and doctor plus additional services not covered by statutory health insurance.
muki Wahlarzt Ambulant (Outpatient Doctor of Choice Insurance)
Outpatient insurance reimbursing costs for treatment by a private/chosen doctor outside hospital.
muki Krankenhaus-Tagegeld (Hospital Daily Allowance)
Daily cash benefit paid for each day of hospitalisation, with a freely selectable daily rate.
muki Pflegegeld Exklusiv (Long-Term Care Benefit Insurance)
Supplementary care allowance insurance paying benefits from statutory care levels 1, 3, 4 or 5 onward.
muki Baby-Option
Add-on option to the Sonderklasse insurance automatically covering newborn children without health check or waiting period.
muki Kinder-Unfall-Exklusivschutz (Children's Accident Insurance)
Worldwide accident insurance for children covering accidents both during leisure time and beyond statutory accident cover.
muki Unfall-Exklusivschutz (Adult Accident Insurance)
Private accident insurance for adults including worldwide air ambulance and individually adjustable add-on modules.
muki Unfall 60Plus (Senior Accident Insurance)
Accident insurance tailored to people aged 60 and above, available in most of Austria (except Tyrol and Vorarlberg).
muki Unfallsonderklasse Plus
Supplementary insurance securing private-class hospital treatment and free hospital choice specifically after an accident, plus an included travel insurance with cancellation and repatriation cover.
Liability3
muki Horse Owner Liability Insurance (Pferdehalter-Haftpflicht)
Liability insurance for horse owners covering damage caused by their horses to third parties.
muki Legal Protection Insurance (Rechtsschutzversicherung)
Legal expenses insurance including family legal protection, 60plus legal protection, self-employed private legal protection, and vehicle/driver legal protection, distributed via ARAG SE as risk carrier.
muki Business Liability Insurance (allRisk Betriebshaftpflicht)
Business liability insurance offering flexible and affordable protection against operational risks for companies.
Pet1
muki Dog Liability Insurance (Hundehaftpflicht)
Third-party liability insurance covering damage caused by dogs, available worldwide and as a standalone or add-on policy.
Cyber1
muki Technology and Data Insurance (Technikversicherung und Informations- und Datenträgerversicherung)
Insurance covering technical equipment and business data carriers, including data loss and reconstruction costs.
Regulatory updates
muki is licensed and supervised by the Austrian Financial Market Authority (FMA); the FMA has published concession changes for muki, such as the 2015 removal of restrictions on travel cancellation/curtailment insurance (branch 16). In its most recent annual reports, muki reported record results for 2024 and 2025, with gross premiums rising to €119.7 million in 2025 (up from €114.1 million in 2024) and a combined ratio around 85%, reflecting continued growth under FMA oversight without any adverse regulatory actions reported.
Reputation and reviews
Offer pages
Casco (own-damage car insurance)
casco (own-damage car insurance) from muki for the Austria market, with online purchase.
Last verified Aug 26, 2026
Motor third-party liability
motor third-party liability insurance from muki for the Austria market, with online purchase and 24/7 assistance.
Last verified Aug 26, 2026
Travel insurance
travel insurance from muki for the Austria market, with online purchase and 24/7 assistance.
Last verified Aug 26, 2026