Insurer profile
Öffentliche Feuerversicherung Sachsen-Anhalt and Öffentliche Lebensversicherung Sachsen-Anhalt (trading jointly as ÖSA Versicherungen)
ÖSA (Öffentliche Versicherungen Sachsen-Anhalt) is a regional public-law insurer consisting of the Öffentliche Feuerversicherung Sachsen-Anhalt and the Öffentliche Lebensversicherung Sachsen-Anhalt, based in Magdeburg and belonging to the Sparkassen-Finanzgruppe. It is the only insurer headquartered in Saxony-Anhalt and offers a full range of property, motor, life, health, liability, legal-protection and pet insurance products to private customers, businesses and municipalities.
Source- Legal entity
- Öffentliche Feuerversicherung Sachsen-Anhalt and Öffentliche Lebensversicherung Sachsen-Anhalt (trading jointly as ÖSA Versicherungen)
- Headquarters
- Magdeburg, Germany
- Parent group
- VGH Versicherungen (Landschaftliche Brandkasse Hannover)
- Regulator
- Federal Financial Supervisory Authority (BaFin)
- Phone
- +49 391 7367-367
- service.magdeburg@oesa.de
- Founded
- 1991
- Last verified
- Aug 27, 2026
Products from Öffentliche Feuerversicherung Sachsen-Anhalt and Öffentliche Lebensversicherung Sachsen-Anhalt (trading jointly as ÖSA Versicherungen)
motor
Motor Vehicle Liability Insurance
Mandatory motor liability cover valid across Europe and EU territories, extendable with Copilot 2.0 automatic emergency call.
motor
Motor Comprehensive Insurance (Partial/Fully Comprehensive)
Optional comprehensive cover for own-vehicle damage, theft, animal collisions and self-inflicted accidents, including E-VollkaskoPremium for electric/hybrid cars.
motor
Motorcycle Insurance
Liability and comprehensive insurance for motorcycles.
motor
Camper/Motorhome Insurance
Mandatory liability and optional comprehensive cover for camper vans and motorhomes.
motor
Moped/Scooter Insurance
Compulsory liability insurance for mopeds, scooters and e-scooters.
property
Bicycle Insurance
Worldwide cover for bicycles against theft, vandalism, parts theft, crash damage or battery defects.
property
Household Contents Insurance
Covers financial losses to household contents, including storm damage and gross negligence.
property
Building/Homeowners Insurance
Covers homes against fire, lightning, storm, hail and water damage, with additional natural hazard protection.
property
Construction Works Insurance
Covers unforeseen damage occurring during construction of a building.
property
Home & Household Assistance Cover
Covers emergency call-out costs for household incidents such as lockouts or heating failures.
property
Natural Hazards Protection
Additional protection for house and contents against increasing extreme weather and natural hazard events.
liability
Private Liability Insurance
Protects against financial consequences of personal, property or financial damage caused to third parties.
liability
House and Property Owner Liability Insurance
Protects property owners against unlimited statutory liability for accidents on their premises.
liability
Builder's Liability Insurance
Covers liability risks for builders during storage, securing or cleaning of a construction site.
liability
Private Legal Protection Insurance
Legal protection for private life matters, offered in cooperation with ÖRAG Rechtsschutzversicherungs-AG.
liability
House and Home Legal Protection Insurance
Legal protection for disputes related to housing, tenancy and neighbours.
liability
Employment Legal Protection Insurance
Covers legal costs for workplace-related disputes, e.g. dismissal or income tax appeals.
liability
Comprehensive Legal Protection (Rundum-Schutz / PLUS)
Combines private, traffic, home and professional legal protection into one bundled policy, with an enhanced PLUS option.
liability
Animal Owner Liability Insurance
Liability cover for damage caused by owned animals such as dogs and horses.
pet
Dog Health Insurance
Veterinary and surgery cost cover for dogs of all breeds, in three tariff levels.
pet
Horse Health Insurance
Health and surgery insurance for horses.
financial
ÖSA StrategieRente (Retirement Plan)
Flexible retirement savings product combining security and return opportunities.
financial
Riester Pension
State-subsidised private pension plan.
financial
Basic Pension (Rürup)
Tax-privileged basic retirement pension for self-employed and high earners.
financial
Company Pension Plan
Occupational pension scheme for employees.
financial
Private Pension Plan
Flexible private annuity/pension savings product.
life
GenerationenPolice (Whole Life/Capital Plan)
Long-term capital-building product to support children or grandchildren financially.
life
Funeral Expense Insurance
Whole-life policy providing a lump sum to cover funeral costs.
life
Education/Training Insurance
Savings-linked life insurance to fund a child's education or vocational training.
financial
Fire Brigade Pension (exclusive to Saxony-Anhalt)
Special retirement product exclusively for volunteer firefighters in Saxony-Anhalt.
life
Term Life Insurance
Pure risk life insurance paying a death benefit to protect dependants.
health
Personal Accident Insurance
Private accident cover for injuries occurring mainly in leisure time, with tariffs for children, young adults and seniors.
life
Occupational Disability Protection
Pays a pension if the insured becomes at least 50% unable to work in their profession.
life
StartBU (Occupational Disability for Trainees/Students)
Occupational disability cover tailored for trainees and students, upgradeable at end of training without new health check.
health
Private Health Insurance (Full Cover)
Comprehensive private health insurance offered in cooperation with UKV Union Krankenversicherung.
health
Supplementary Health Insurance
Additional cover to complement statutory health insurance benefits.
health
Supplementary Long-Term Care Insurance
Additional financial protection in case of long-term care needs.
travel
Travel Health Insurance Abroad
Covers medical expenses incurred while travelling abroad.
travel
Long-Term Travel Health Insurance
Health cover for extended stays abroad such as studying or working overseas.
travel
Trip Cancellation Insurance
Covers cancellation costs if a trip cannot be undertaken.
travel
Travel Package
Bundled travel insurance package combining several travel-related covers.
cyber
CyberSchutz
Protects private individuals against financial consequences of cyber incidents.
Regulatory updates
ÖSA is supervised by BaFin (Bundesanstalt für Finanzdienstleistungsaufsicht) as a public-law competition insurer operating beyond the borders of a single federal state. No specific enforcement actions or sanctions against ÖSA were found. On an industry level, BaFin reported a sharp rise in consumer complaints against German insurers in 2025 (14,285 complaints, up from 8,806 in 2024), driven mainly by claims-handling delays, particularly in motor and health insurance, though BaFin attributed most of the increase to a single unrelated case rather than an industry-wide trend. Corporately, ÖSA's ownership structure changed effective 1 January 2020, when VGH (Landschaftliche Brandkasse Hannover) became the sole sponsor/owner of ÖSA, having previously held only 35% alongside the Sparkassenbeteiligungsverband Sachsen-Anhalt (50%) and Öffentliche Versicherung Braunschweig (15%).
Reputation and reviews
Offer pages
Motor casco
ÖSA Versicherungen is a motor casco insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Motor third-party liability
ÖSA is a motor third-party liability insurance for the Germany market with no online purchase and 24/7 assistance.
Last verified Aug 28, 2026
Travel insurance
ÖSA is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026