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Press Release

German Health Insurance Ranking 2023

The new Private Health Insurance rating for 2023 has just been released by RealRate.

These are the top three Health Insurance companies in Germany, measured by Economic Capital Ratio:

1. MECKLENBURGISCHE KRANKEN – 51%
2. R+V KRANKEN – 25%
3. ENVIVAS KRANKEN – 22%

The complete rating of 32 companies is published in https://realrate.ai/rankings/

8 companies achieved the ‘Top Rated’ award.

Mecklenburgische Kranken has been operating since 2000. It has its headquarters in Hannover and has total assets of €147 million.

Founded 100 years ago in 1922, and headquartered in Wiesbaden, R+V Kranken are a big player in the market. It has just under €4 billion in total assets.

Founded in 2003, Envivas Krankenversicherung AG is a wholly owned subsidiary of Generali Deutschland Holding AG based in Cologne. Its current assets are €421 million.


CEO Dr. Holger Bartel: “Around 11% of Germans take out a private health insurance policy. You can only sign up if you fall into one of these categories:

• If you earn over €60,750 per year
• If you earn under €450 per month
• Students aged between 23-30
• Self-employed individuals
• Civil servants (as insurance is subsidized by the employer)

There are just over 40 companies offering private health insurance and the market is worth a colossal €49 billion.

An exceptional financial strength is particularly important in the Health Insurance sector, ensuring insurance companies can give their customers the best treatment possible.”

About RealRate:
RealRate is an international rating agency based in Santa Clara and Berlin, founded in 2021. Using cutting-edge explainable Artificial Intelligence, we provide fair company ratings, avoiding any conflicts of interest. Combining AI and expert knowledge, financial strength is evaluated based on published annual reports. RealRate provides rankings for dozens of industries, like insurance, IT, real estate, food, and pharma. Only the best-rated companies are awarded the RealRate TOP Rated seal.