Insurer profile
ALTE OLDENBURGER Krankenversicherung AG
ALTE OLDENBURGER Krankenversicherung AG · Germany
Overview
ALTE OLDENBURGER Krankenversicherung AG is a private health insurer headquartered in Vechta, Lower Saxony, founded in 1927 as the 'Bäuerliche Krankenkasse'. It operates nationwide as a broker-focused insurer offering private full health insurance, mandatory long-term care insurance and supplementary health insurance products, and since 2007 forms a health insurance group together with Provinzial Krankenversicherung Hannover AG under holding company ALTE OLDENBURGER Beteiligungsgesellschaft AG.
Source15
Products in this market
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Offer pages
Company details
- Parent group
- ALTE OLDENBURGER Beteiligungsgesellschaft AG
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 4441 905-0
- [email protected]
Products from ALTE OLDENBURGER Krankenversicherung AG
Property
AO NOW Home Contents Insurance
Home contents insurance under the AO NOW brand in Balance and Premium tariff lines, covering fire, water, storm/hail, burglary and optional elemental damages.
AO NOW Bicycle Insurance
Bicycle and e-bike insurance under the AO NOW brand protecting against theft, damage and breakdown.
Health
Private Full Health Insurance
Modular private full health insurance for employees, self-employed, students and civil servants, individually combinable via a building-block system.
Civil Servant Supplementary Tariff (Beihilfe)
Supplementary health tariffs for civil servants (Beihilfeberechtigte) that complement the state allowance (Beihilfe).
Option Tariff for Prospective Civil Servants
A special option tariff designed for future civil servants (Beamtenanwärter) to secure favorable conditions ahead of civil service status.
Dental Supplementary Insurance
Supplementary dental insurance available in two tariff variants, reimbursing costs for dental treatments beyond statutory health insurance coverage.
Hospital Supplementary Insurance
Supplementary hospital insurance offering choice between tariffs for private patient status, such as chief physician treatment or single-bed rooms.
Hospital Daily Allowance Insurance
A daily cash benefit paid for each day of hospital stay, freely usable by the insured.
Sick Pay Insurance
Daily sickness benefit insurance that compensates for loss of income during illness-related incapacity to work.
Long-Term Care Insurance (Mandatory & Supplementary)
Mandatory and supplementary long-term care insurance providing financial protection in case of care needs due to accident, illness or old age.
AOK-Privat (Cooperation Supplementary Products)
Supplementary insurance products developed jointly with AOK Niedersachsen and AOK Bremen/Bremerhaven, including dental, hospital and foreign travel cover, to complement statutory health insurance.
AO NOW Accident Insurance
Accident insurance under the AO NOW brand covering financial consequences of accidents in leisure or work, including invalidity benefits.
Liability
AO NOW Private Liability Insurance
Private liability insurance offered under the digital AO NOW brand in two tariff lines (Balance and Premium), underwritten by Neodigital Versicherung AG.
AO NOW Dog Liability Insurance
Liability insurance for dog owners under the AO NOW brand, covering third-party damage claims caused by the insured's dog.
Regulatory updates
The ALTE OLDENBURGER Krankenversicherung AG received the top 'A++' (excellent) rating from Assekurata for the 24th consecutive time, making it the only private health insurer in Germany to achieve this top score uninterrupted for so long, with particularly strong marks for customer orientation, security, results and premium stability. Since January 1, 2026, the company expanded its executive board to three members with the addition of Daniel Sander. In 2024 the insurer also began offering composite insurance products (liability, home contents) under the new brand 'AO NOW' in cooperation with Neodigital Versicherung AG, which acts as risk carrier.
Offer pages
Travel insurance
travel insurance from ALTE OLDENBURGER for the Germany market, with online purchase.
Last verified Aug 28, 2026