The Strongest German Health Insurers: Rated by Real Rate’s Artificial Intelligence

If you’re wondering if your private health insurance company is performing in a healthy manner, you’ve come to the right place.

RealRate’s 2021 ranking for German health insurance can be seen below. The results are truly close this year!


Here are RealRate’s top 16 German private health insurers for 2021, with the top 8 being ranked “Top Rated”:



Envivas Kranken came out on top, pushing DEVK Kranken into 2nd place. Provinzial Kranken was a couple of percentage points behind in 3rd place.


Looking beneath the surface, it was both Envivas’ and DEVK’s healthy figures in the Risk and Other Result, and also Provinzial’s superior Inventory Reduction rate that did them a great service.


These companies were between 16%-18% above the Economic Capital Ratio average of 9%, which is the ratio of a company’s own funds to their assets under management. It’s essentially a measure of financial strength.


Envivas were 2nd place in 2020, so it was a strong performance to not only consolidate on their good position, but to push a step further and clinch top spot for 2021!


A special mention also to Mecklenburgische Kranken and Ergo Kranken for achieving 4th and 5th places respectively in 2021, having not even made the leaderboard in 2020. Great going guys!


A great show from all companies in the top 10, though! Very well done!


Here are the remaining contestants:



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.


The awesome thing about RealRate is that they deliver totally fair and independent ratings, bringing together expert knowledge with really cutting edge artificial intelligence. It’s the AI model that computes the crucial Economic Capital Ratio figure.


Looking at the AI in more detail, it’s 100% unbiased and uses only public data that’s been audited. RealRate are fair, explainable, and above all, they avoid any conflicts of interest.


To us, it’s a win whichever way you look at it and extremely exciting stuff. Congratulations RealRate for your innovative presence in the German insurance market!


Main photo by Karolina Grabowska from Pexels: