Germany insurance premiums, benefits, contracts and insurer assets
Gross premiums written, benefits paid and contracts in force for the German insurance industry as a whole and for each major line - life, private health, and property and casualty with its individual classes - together with how the industry invests the reserves those premiums build up. Results for the most recent year are preliminary or estimated depending on the line.
| Indicator | 2025 | 2024 | 2023 | 2022 | |
|---|---|---|---|---|---|
| Whole market3 | |||||
| Premium income1 | |||||
| Insurance industry total3 | 253.6 | 237.9 | 226.2 | ||
| Life insurance total1 | 99.4 | 94.6 | 92 | ||
| Occupational pensions | 19.5 | 19.3 | 19.1 | ||
| Private health insurance | 54.4 | 50.7 | 48.7 | ||
| Property and casualty insurance | 99.7 | 92.5 | 85.5 | ||
| Benefits and claims1 | |||||
| Insurance industry total3 | 211.1 | 210 | 200.7 | ||
| Life insurance total | 99.6 | 101.8 | 99 | ||
| Private health insurance | 42.1 | 39.3 | 35.7 | ||
| Property and casualty insurance | 69.4 | 68.9 | 66 | ||
| Insurance contracts1 | |||||
| Insurance industry total3 | 501.5 | 501.4 | 488.2 | ||
| Life insurance total1 | 82.8 | 84.3 | 85.5 | ||
| Occupational pensions | 16.3 | 16.5 | 16.6 | ||
| Private health insurance | 40.8 | 40 | 38.5 | ||
| Property and casualty insurance | 377.9 | 377.1 | 364.2 | ||
| Life insurance4 | |||||
| Gross premiums written1 | |||||
| Total2 | 96.7 | 91.8 | 89.1 | ||
| Regular premiums | 64.5 | 64.4 | 64.3 | ||
| Single premiums | 32.1 | 27.4 | 24.8 | ||
| Contracts in force1 | |||||
| Total contracts2 | 78.9 | 80.3 | 81.4 | ||
| Riester pension products | 9.5 | 9.7 | 10 | ||
| Basic pension products | 2.9 | 2.8 | 2.7 | ||
| New business1 | |||||
| New contracts2 | 3.8 | 4.3 | 4.4 | ||
| New Riester pension products | 129.5 | 30.4 | 41.1 | ||
| New basic pension products | 111.7 | 132.3 | 133.8 | ||
| Annual premium equivalent1 | |||||
| Total2 | 10 | 9.3 | 8.9 | ||
| Annualised regular premiums | 6.8 | 6.6 | 6.4 | ||
| Single premiums | 3.2 | 2.7 | 2.5 | ||
| Private health insurance3 | |||||
| Premium income1 | |||||
| Private health insurance total2 | 54.4 | 50.7 | 48.7 | 47.2 | |
| Health insurance | 48.2 | 44.5 | 42.9 | 42.1 | |
| Long-term care insurance | 6.3 | 6.2 | 5.7 | 5.1 | |
| Insurance benefits1 | |||||
| Private health insurance total2 | 42.1 | 39.3 | 35.7 | 33.4 | |
| Health insurance | 39 | 36.5 | 33.2 | 31 | |
| Long-term care insurance | 3 | 2.7 | 2.4 | 2.4 | |
| Insurance contracts1 | |||||
| Private health insurance total2 | 40.8 | 40 | 38.5 | 38 | |
| Comprehensive insurance | 8.8 | 8.7 | 8.7 | 8.7 | |
| Supplementary insurance | 32 | 31.3 | 29.8 | 29.3 | |
| Property and casualty insurance4 | |||||
| Gross premiums written2 | |||||
| Property and casualty insurance total7 | 99.7 | 92.5 | 85.5 | ||
| Motor insurance total3 | 38.6 | 34 | 30.6 | ||
| Motor vehicle liability insurance | 21.8 | 19.5 | 17.7 | ||
| Fully comprehensive motor insurance | 14.4 | 12.5 | 11 | ||
| Partially comprehensive motor insurance | 2.2 | 1.9 | 1.7 | ||
| Property insurance total2 | 34.1 | 32 | 29.2 | ||
| Private property insurance2 | 18.7 | 17.7 | 16.1 | ||
| Residential building insurance | 14.2 | 13.3 | 11.8 | ||
| Household contents insurance | 3.8 | 3.7 | 3.6 | ||
| Non-private property insurance2 | 15.4 | 14.4 | 13.1 | ||
| Commercial, industrial and agricultural property | 12.1 | 11.3 | 10.3 | ||
| Engineering insurance | 3.2 | 3 | 2.8 | ||
| General liability insurance | 9 | 8.9 | 8.6 | ||
| Private accident insurance | 6.9 | 6.8 | 6.7 | ||
| Legal expenses insurance | 5.6 | 5.3 | 5 | ||
| Transport and aviation insurance | 2.4 | 2.5 | 2.5 | ||
| Credit, surety and fidelity insurance | 2.4 | 2.4 | 2.3 | ||
| Motor fleet insurance | 5.3 | 4.8 | 4.4 | ||
| Claims incurred2 | |||||
| Property and casualty insurance total7 | 69.4 | 68.9 | 66 | ||
| Motor insurance total3 | 32 | 30.8 | 30 | ||
| Motor vehicle liability insurance | 18.1 | 17 | 16.2 | ||
| Fully comprehensive motor insurance | 12.4 | 12.4 | 12.3 | ||
| Partially comprehensive motor insurance | 1.4 | 1.4 | 1.5 | ||
| Property insurance total2 | 20.9 | 22 | 20.7 | ||
| Private property insurance2 | 10.6 | 11.5 | 10.5 | ||
| Residential building insurance | 8.7 | 9.5 | 8.6 | ||
| Household contents insurance | 1.7 | 1.8 | 1.7 | ||
| Non-private property insurance2 | 10.3 | 10.6 | 10.2 | ||
| Commercial, industrial and agricultural property | 8.5 | 8.7 | 8.6 | ||
| Engineering insurance | 1.8 | 1.8 | 1.6 | ||
| General liability insurance | 5.7 | 5.6 | 5.3 | ||
| Private accident insurance | 3.6 | 3.6 | 3.5 | ||
| Legal expenses insurance | 4.1 | 3.8 | 3.6 | ||
| Transport and aviation insurance | 1.4 | 1.4 | 1.4 | ||
| Credit, surety and fidelity insurance | 1.1 | 1.1 | 1 | ||
| Motor fleet insurance | 4.7 | 4.6 | 4.4 | ||
| Contracts in force2 | |||||
| Property and casualty insurance total7 | 377.9 | 377.1 | 364.2 | ||
| Motor insurance total3 | 133.2 | 132.4 | 130.9 | ||
| Motor vehicle liability insurance | 71.4 | 71.1 | 70.4 | ||
| Fully comprehensive motor insurance | 33.4 | 33.7 | 33.6 | ||
| Partially comprehensive motor insurance | 22.4 | 21.8 | 21.4 | ||
| Property insurance total | 104.7 | 104.7 | 101 | ||
| General liability insurance | 51.1 | 50.8 | 49.4 | ||
| Private accident insurance | 24.5 | 24.8 | 25.1 | ||
| Legal expenses insurance | 26 | 25.7 | 27.1 | ||
| Transport and aviation insurance | 7.7 | 7.7 | |||
| Credit, surety and fidelity insurance | 0.8 | 0.7 | 0.7 | ||
| Motor fleet insurance | 5.8 | 5.7 | 5.7 | ||
| Combined ratio2 | |||||
| Property and casualty insurance total7 | 91 | 96.1 | 98.8 | ||
| Motor insurance total3 | 96 | 104 | 111.3 | ||
| Motor vehicle liability insurance | 96 | 98.3 | 101.5 | ||
| Fully comprehensive motor insurance | 100 | 115 | 127 | ||
| Partially comprehensive motor insurance | 84 | 95.3 | 114.3 | ||
| Property insurance total2 | 88 | 95.5 | 99.1 | ||
| Private property insurance2 | 87 | 94.9 | 97.2 | ||
| Residential building insurance | 90 | 99.6 | 103.3 | ||
| Household contents insurance | 79 | 82.8 | 81.3 | ||
| Non-private property insurance2 | 89 | 96.1 | 101.5 | ||
| Commercial, industrial and agricultural property | 92 | 98.9 | 106.1 | ||
| Engineering insurance | 81 | 85.6 | 84.2 | ||
| General liability insurance | 88 | 89.7 | 82.3 | ||
| Private accident insurance | 75 | 75.1 | 74.5 | ||
| Legal expenses insurance | 94 | 91.9 | 92 | ||
| Transport and aviation insurance | 96 | 95.3 | 96.8 | ||
| Credit, surety and fidelity insurance | 76 | 81 | 72.7 | ||
| Motor fleet insurance | 101 | 107.7 | 112.1 | ||
| Asset allocation of insurers2 | |||||
| Life insurers1 | |||||
| Total investments5 | 1,014.6 | 1,015.5 | |||
| Fixed-income investments total5 | 76.6 | 77.2 | |||
| Mortgage and land-charge receivables | 6.9 | 7 | |||
| Loans total4 | 17.1 | 17.8 | |||
| Registered bonds | 10.4 | 10.8 | |||
| Promissory-note receivables and loans | 6.3 | 6.6 | |||
| Policy loans | 0.1 | 0.1 | |||
| Other loans | 0.2 | 0.2 | |||
| Bearer bonds and other fixed-income securities | 21.7 | 20.9 | |||
| Fixed income held through funds | 30.5 | 31.2 | |||
| Bank deposits | 0.4 | 0.3 | |||
| Equities total2 | 4.3 | 4.3 | |||
| Equities held directly | 0.1 | 0.1 | |||
| Equities held through funds | 4.2 | 4.3 | |||
| Participating interests | 12.4 | 12.1 | |||
| Real estate total2 | 4.2 | 4.2 | |||
| Real estate held directly | 0.9 | 0.9 | |||
| Real estate held through funds | 3.4 | 3.3 | |||
| Other investments | 2.4 | 2.2 | |||
| Primary insurers1 | |||||
| Total investments5 | 1,623.3 | 1,603.8 | |||
| Fixed-income investments total5 | 75.2 | 75.8 | |||
| Mortgage and land-charge receivables | 5.4 | 5.5 | |||
| Loans total4 | 17.3 | 18.2 | |||
| Registered bonds | 10.9 | 11.5 | |||
| Promissory-note receivables and loans | 6.1 | 6.4 | |||
| Policy loans | 0.1 | 0.1 | |||
| Other loans | 0.2 | 0.3 | |||
| Bearer bonds and other fixed-income securities | 23.9 | 22.9 | |||
| Fixed income held through funds | 28 | 28.7 | |||
| Bank deposits | 0.7 | 0.4 | |||
| Equities total2 | 5 | 5.1 | |||
| Equities held directly | 0.1 | 0.1 | |||
| Equities held through funds | 4.9 | 5 | |||
| Participating interests | 12.4 | 12.2 | |||
| Real estate total2 | 4.7 | 4.8 | |||
| Real estate held directly | 1 | 1 | |||
| Real estate held through funds | 3.7 | 3.8 | |||
| Other investments | 2.7 | 2.2 |
Latest reading
Insurance industry total stood at 253.6 Billion euros in 2025. That is +6.6% from 2024. The series on this page is annual and runs from 2023 to 2025. Source: German Insurance Association (GDV).
- Latest
- 253.6 Billion euros
- 2025
- vs previous period
- +6.6%
- 2024
About this data
Gross premiums written, benefits paid and contracts in force for the German insurance industry as a whole and for each major line - life, private health, and property and casualty with its individual classes - together with how the industry invests the reserves those premiums build up. Results for the most recent year are preliminary or estimated depending on the line. Source: GDV.
