Insurer profile

Münchener Verein Versicherungsgruppe (comprising Münchener Verein Krankenversicherung a.G., Münchener Verein Lebensversicherung AG and Münchener Verein Allgemeine Versicherungs-AG)

Münchener Verein Versicherungsgruppe (comprising Münchener Verein Krankenversicherung a.G., Münchener Verein Lebensversicherung AG and Münchener Verein Allgemeine Versicherungs-AG) · Germany

Founded 1922Munich, GermanyLast verified Aug 27, 2026

Overview

Münchener Verein is an independent German insurance group headquartered in Munich-Ludwigsvorstadt, founded in 1922 as a mutual self-help institution for craftsmen and trade, offering a broad range of health, life and property/casualty insurance products for private and commercial customers as a mutual insurance association (VVaG) without external shareholders.

Source

Products in this market

Offer pages

Company details

Regulator: Federal Financial Supervisory Authority (BaFin)
Phone: +49 89 5152 1000
Email: [email protected]

Official website

Products from Münchener Verein Versicherungsgruppe (comprising Münchener Verein Krankenversicherung a.G., Münchener Verein Lebensversicherung AG and Münchener Verein Allgemeine Versicherungs-AG)

Motor

Motor Third-Party Liability Insurance

Mandatory motor liability cover for personal, material and financial damage caused to third parties.

Motor Comprehensive/Partial Cover (Kasko)

Covers damage to the policyholder's own vehicle, available as partial or comprehensive cover.

Property

Home Contents Insurance

Covers household contents against fire, water damage, burglary, storm and other hazards.

Residential Building Insurance

Insures residential buildings against fire, storm, water damage and related risks.

Business Contents Insurance

Covers damage to business inventory, fixtures and stock for craft and trade businesses.

Business Interruption Insurance

Covers loss of earnings following an insured business interruption event such as fire or water damage.

Craftsmen's Bundle Cover (Deutscher HandwerkerSchutz)

Bundled commercial cover combining liability, business premises/contents, electronics and machinery insurance for trades.

Health

Private Full Health Insurance (BestensGesund Premium)

Comprehensive private health cover with five tariff options and flexible deductible.

Dental Supplementary Insurance (ZahnGesund)

Supplementary dental insurance covering dental treatment, preservation and replacement, repeatedly rated top by Stiftung Warentest.

Hospital Daily Allowance Insurance

Pays a tax-free daily allowance of up to €110 during hospital stays.

Hospital Supplementary Insurance (KlinikGesund)

Supplementary insurance for private hospital treatment including single room and chief physician care.

Sickness Daily Benefit Insurance

Compensates income loss during illness beyond statutory sick pay, without health check.

Cancer Insurance (Deutsche KrebsVersicherung)

Provides financial support for cancer screening and immediate lump-sum payment on cancer diagnosis.

Long-Term Care Insurance

Comprehensive and flexible cover providing financial support in case of long-term care need, with an online conclusion option without health check.

Company Health Insurance (bKV)

Employer-funded supplementary health cover for employees, e.g. 'HandwerkGesund' and 'GemeinsamGesund'.

Accident Insurance (Adults/Children)

Provides financial protection in the event of accident-related disability or death, for adults and children.

Liability

Private Liability Insurance

Covers personal, property and financial damages caused by the policyholder or co-insured persons/pets, worldwide.

House and Land Owner Liability Insurance

Covers liability risks for owners of rented residential or commercial property.

Pet Owner Liability Insurance

Covers liability claims arising from damage caused by the policyholder's animals (e.g. dogs, horses).

Private Legal Protection Insurance

Provides legal protection in everyday and leisure matters, including worldwide cover and mediation services.

Commercial Liability Insurance (Betriebshaftpflicht)

Covers liability claims against businesses and craft trades arising from professional activities.

Travel

Travel Health Insurance

Covers medical treatment costs and medically necessary repatriation while traveling abroad.

Life

Occupational Disability Insurance

Provides an income replacement pension if the insured becomes unable to work in their profession.

Basic Ability Supplementary Insurance

Pays out if the insured loses certain basic physical or mental abilities, as an alternative to disability cover.

Term Life Insurance (Risiko-Lebensversicherung)

Protects dependents financially in case of the policyholder's death, including a special tariff for craftsmen.

Unit-Linked Pension Insurance (PrivatRente Balance)

Fund-linked private pension plan with optional contribution guarantees of up to 87% (or up to 150% with GarantiePlus).

Occupational Pension Scheme (bAV / Direktversicherung)

Employer-sponsored pension scheme via direct insurance, funded by employer, employee or both.

Riester Pension

State-subsidised private pension product closing gaps in statutory retirement provision.

Rürup / Basic Pension

Tax-privileged basic pension plan mainly aimed at self-employed persons.

Endowment Life Insurance (Kapitallebensversicherung)

Combines death cover with a capital payout at maturity for financial security and growth.

Financial

Investment Product (PrivatDepot Classic)

A form of private pension/investment product for parking payouts from matured life or pension policies.

Pet

Animal Owner Liability Insurance

Liability cover for dog and horse owners against claims arising from damage caused by their animal, up to €3 million.

Other

Private Accident Insurance

24/7 worldwide accident insurance paying invalidity benefits and rehabilitation support without health questions.

Regulatory updates

The Münchener Verein entities (Krankenversicherung a.G., Lebensversicherung AG, Allgemeine Versicherungs-AG) are supervised by BaFin as insurers under federal supervision; recent activity includes BaFin-reviewed premium adjustments (Beitragsanpassung) in the health insurance business, with an independent trustee confirming compliance with statutory requirements, and an average 2026 premium increase of about +14.56% in full private health cover reported by market observers.