Insurer profile

Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe

Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe · Germany

Founded 1905Koblenz, GermanyLast verified Sep 27, 2026

Overview

Debeka is one of Germany's largest insurance groups, founded on 2 July 1905 as a health mutual aid fund for municipal officials. Organised largely as a Versicherungsverein auf Gegenseitigkeit (mutual insurance association), it is owned by its 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 in 2025 it climbed to become the fourth-largest primary insurer in Germany by premium income.

Source

Products in this market

Offer pages

Company details

Regulator: Federal Financial Supervisory Authority (BaFin)
Phone: +49 261 498-4664
Email: [email protected]

Official website

Products from Debeka Krankenversicherungsverein a. G. / Debeka Versicherungsgruppe

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.

Partial and Comprehensive Motor Casco Insurance

Partial casco covers theft, natural hazards and wildlife collisions; comprehensive (vollkasko) additionally covers own-fault accidents and vandalism.

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.

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.

Glass Insurance

Glass breakage insurance covering windows, doors, furniture glazing, aquariums, and ceramic hob surfaces, available as an add-on to household contents insurance.

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.

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.

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.

Electronic Equipment Insurance (Firmenschutz – Elektronikversicherung)

Electronic equipment all-risks insurance for stationary and mobile business electronics covering unforeseeable damage, destruction, or theft.

Machinery Insurance (Firmenschutz – Maschinenversicherung)

All-risks machinery insurance covering unforeseen damage, theft, or destruction of stationary and mobile business machines.

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.

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.

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.

Accident Insurance

Private accident insurance providing lump-sum benefits and annuity in the event of permanent disability or death caused by an accident.

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.

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.

Hunting Liability Insurance

Liability insurance for hunters covering personal injury and property damage claims arising from hunting activities.

Water Sports Liability Insurance

Liability insurance for water sports activities covering damage caused to third parties while engaging in water sports.

Pet Owner Liability Insurance (Dogs and Horses)

Liability insurance for owners of dogs and horses covering personal injury, property damage, and financial loss claims from third parties caused by the animal, including a claims-default cover.

Legal Expenses Insurance

Legal expenses insurance covering attorney fees, court costs, and bail in private, professional, traffic, and real estate legal disputes.

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.

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 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.

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.

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.

Unit-linked (Fund-based) Pension Insurance

Fund-based deferred annuity insurance offering return potential through investment in funds alongside annuity coverage for retirement savings.

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.

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.

Funeral Expenses Insurance (Sterbegeldversicherung)

Small whole-life insurance paying a fixed sum upon death to cover funeral costs.

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.

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.

Pet

Animal Insurance (Tierversicherung)

Debeka's animal insurance line, listed by the German Insurance Association (GDV) as 'Tierversicherung', is in practice a liability policy (Tierhalterhaftpflicht) for dog and horse owners, not a pet health/veterinary cost policy.

Regulatory updates

In November 2023, BaFin registered a change of address for Debeka Allgemeine Versicherung AG to the new headquarters at Debeka-Platz 1, 56073 Koblenz. 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, a Musterfeststellungsklage filed by the Verbraucherzentrale Bundesverband (vzbv) at OLG Koblenz continues to test whether the deduction amounts themselves are proportionate, with a decision expected in late 2026 or early 2027. Debeka Lebensversicherung has historically been named among life insurers subject to BaFin's intensified supervision under Solvency II transitional measures. Separately, a 2025 KIVI market-share analysis found that Debeka's premium income grew 13.2% to about €14.9 billion, making it, for the first time, the fourth-largest primary insurer in Germany, ahead of ERGO.