Insurer profile
Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe
Debeka is one of Germany's largest insurance groups, founded in 1905 as a mutual aid fund for civil servants. Organised as a Versicherungsverein auf Gegenseitigkeit (mutual insurance association), it is owned exclusively by its over 7.7 million members and offers health, life, property, motor, travel, and legal expenses insurance, as well as building society savings products. It is Germany's largest private health insurer and ranks among the top five in the German insurance and building society sector.
Source- Legal entity
- Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe
- Headquarters
- Koblenz, Germany
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 261 498-4664
- kundenservice@debeka.de
- Last verified
- May 1, 2026
Products from Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe
health
Private Health Insurance (Comprehensive)
Comprehensive private health insurance covering outpatient, inpatient, and dental treatment, with various tariffs for civil servants, employees, and the self-employed.
health
Supplementary Health Insurance (add-on to statutory insurance)
Supplementary insurance policies for statutory health insurance members covering hospital upgrades, dental prosthetics, vision aids, alternative practitioners, and preventive check-ups.
health
Long-term Care Insurance (Private Nursing Care)
Private long-term care insurance supplementing statutory nursing care benefits, available as care daily allowance, care benefits in kind, or care annuity.
travel
Foreign Travel Health Insurance
Travel health insurance providing 24/7 medical emergency assistance and cost coverage for illness or injury abroad, with an emergency hotline.
travel
Travel Cancellation and Interruption Insurance
Covers trip cancellation costs and additional expenses if a trip must be cancelled or interrupted due to illness or other insured events.
motor
Motor Third-Party Liability Insurance
Mandatory motor third-party liability insurance covering personal injury, property damage and financial losses caused to third parties, with a blanket coverage of EUR 100 million.
motor
Partial and Comprehensive Motor Casco Insurance
Partial casco covers theft, natural hazards and wildlife collisions; comprehensive (vollkasko) additionally covers own-fault accidents and vandalism.
motor
Moped / E-Scooter Insurance
Compulsory liability insurance for mopeds, e-scooters and certain e-bikes requiring an annual insurance plate.
property
Household Contents Insurance
Household contents insurance protecting movable property in the home against fire, burglary, water damage, storm, and hail at replacement value.
property
Residential Building Insurance
Residential building insurance covering the structure and fixed installations against fire, storm, hail, water damage, and optionally natural hazards and glass breakage.
property
Glass Insurance
Glass breakage insurance covering windows, doors, furniture glazing, aquariums, and ceramic hob surfaces, available as an add-on to household contents insurance.
property
Construction Performance Insurance (Bauleistungsversicherung)
Construction all-risks insurance covering damage to new buildings under construction caused by storm, frost, flooding, vandalism, glass breakage, and theft of built-in materials.
liability
Private Liability Insurance
Private liability insurance covering damages negligently caused to third parties, including tenant liability for rented premises, with no restriction on degree of negligence.
liability
Homeowner and Landlord Liability Insurance
Liability insurance for homeowners and landlords covering personal injury and property damage claims arising from the ownership of residential property.
liability
Hunting Liability Insurance
Liability insurance for hunters covering personal injury and property damage claims arising from hunting activities.
liability
Water Sports Liability Insurance
Liability insurance for water sports activities covering damage caused to third parties while engaging in water sports.
liability
Pet Owner Liability Insurance
Liability insurance for pet owners covering claims from third parties for injury or damage caused by their animals.
liability
Legal Expenses Insurance
Legal expenses insurance covering attorney fees, court costs, and bail in private, professional, traffic, and real estate legal disputes.
health
Accident Insurance
Private accident insurance providing lump-sum benefits and annuity in the event of permanent disability or death caused by an accident.
life
Term Life Insurance (Risikolebensversicherung)
Pure risk life insurance paying a lump sum to beneficiaries in the event of the insured person's death during the policy term.
life
Endowment / Capital Life Insurance (Kapitallebensversicherung)
Savings-type life insurance combining death benefit protection with guaranteed capital accumulation, payable at policy maturity or in the event of death.
life
Unit-linked (Fund-based) Pension Insurance
Fund-based deferred annuity insurance offering return potential through investment in funds alongside annuity coverage for retirement savings.
life
Riester Pension (State-subsidised Private Pension)
State-subsidised private pension contract (Riester-Rente) with guaranteed annuity and government allowances, also available with a fund component.
life
Occupational Disability Insurance (Berufsunfähigkeitsversicherung)
Occupational disability insurance paying a monthly annuity if the insured is unable to perform their occupation due to illness or accident.
life
Funeral Expenses Insurance (Sterbegeldversicherung)
Small whole-life insurance paying a fixed sum upon death to cover funeral costs.
life
Occupational Pension (Pensionskasse – Company Pension)
Company pension solution via the Debeka Pensionskasse AG, offering deferred and immediate annuities as an employer-sponsored retirement savings vehicle.
liability
Commercial / Business Liability Insurance (Firmenschutz – Betriebshaftpflicht)
Business liability insurance for SMEs covering third-party personal injury and property damage claims arising from business operations, including environmental liability.
property
Commercial Contents Insurance (Firmenschutz – Geschäftsinhalt)
Commercial contents insurance for business equipment and inventory covering burglary, fire, water damage, and optionally natural hazards, glass breakage, and business interruption.
property
Commercial Building Insurance (Firmenschutz – Gebäudeversicherung)
Commercial building insurance covering office buildings, workshops, and warehouses against fire, storm, hail, and optionally natural hazards and glass breakage.
property
Electronic Equipment Insurance (Firmenschutz – Elektronikversicherung)
Electronic equipment all-risks insurance for stationary and mobile business electronics covering unforeseeable damage, destruction, or theft.
property
Machinery Insurance (Firmenschutz – Maschinenversicherung)
All-risks machinery insurance covering unforeseen damage, theft, or destruction of stationary and mobile business machines.
financial
Building Society Savings Contract (Bausparvertrag)
Building society savings contract for residential property financing, combining a savings phase with a fixed-rate home loan entitlement.
other
Legal Protection Insurance (Rechtsschutzversicherung)
Legal expenses insurance covering legal counsel and court costs for private, professional and road traffic legal disputes.
pet
Animal Insurance (Tierversicherung)
Pet and animal insurance offered by Debeka Allgemeine Versicherung AG, covering veterinary costs or other risks associated with animals.
Regulatory updates
In April 2024, BaFin granted Debeka Allgemeine Versicherung AG approval to expand its direct insurance business (Dienstleistungsverkehr) to an additional country covering accident, general liability, legal expenses, and assistance classes. Effective January 2025, Debeka implemented significant private health insurance (PKV) premium increases across multiple tariffs, driven by rising healthcare costs and regulatory requirements. In March 2026, the Federal Court of Justice (BGH) ruled that Debeka's capital-market-dependent cancellation deductions (Stornoabzüge) in life insurance are transparently worded; however, an ongoing class action (Musterfeststellungsklage) filed in December 2025 by the Verbraucherzentrale Bundesverband (vzbv) at OLG Koblenz is testing whether the deduction amounts are proportionate – a decision is expected by end-2026 or early 2027. Debeka Lebensversicherung is also subject to intensified BaFin supervision under Solvency II transitional measures.
Reputation and reviews
Verified offer pages
Motor casco
Debeka is a motor casco insurance for the DE market with online purchase and limited assistance availability.
Last verified May 12, 2026
Motor third-party liability
Debeka is a motor third-party liability insurance for the DE market with online purchase and 24/7 assistance.
Last verified May 12, 2026
Travel insurance
Debeka is a travel insurance for the DE market with online purchase and 24/7 assistance.
Last verified May 12, 2026