Business Segments

ARAG and its multiple business lines

The ARAG Group is perhaps best known for its products and services in the field of legal insurance as the leading legal insurer worldwide. It has also gained a solid reputation as an attractive multi-segment insurance provider in its German home market.

And thereby, ARAG SE plays an important role as operating management company for the ARAG Group: The members of its Board of Management are responsible for the strategic management of the Group, for German business operations in the field of legal insurance and for the international companies.

The composite and health insurance segments are served by ARAG subsidiaries. ARAG Kranken and ARAG Allgemeine complement ARAG’s portfolio of quality insurance products outside the field of legal insurance.

Business Line Legal Insurance

Since its early years as a legal insurance pioneer, ARAG has dedicated itself to serving as a partner to its customers. The company most recently redfined the German market with its innovative new legal insurance products.

“We aim for continuous improvement.”

Hanno Petersen, Group Board Member, IT/Operations

“ARAG offers comprehensive, affordable cost coverage for legal disputes. We also support our legal insurance customers with numerous supplemental benefits and useful services in connection with legal matters of all kinds. Our goal is to upgrade this unique program of benefits and services continuously in the interest of customers and consumers.”

Key business figures for this line in 2023.

Security in all legal matters

With an ARAG legal insurance policy, you are always in good hands whenever legal problems arise. With our innovative legal insurance concepts, we continually generate new impulses in both the German and international markets.

Business Line Health Insurance

ARAG Health Insurance offers customers and agents a truly attractive price-performance spectrum in both private full-coverage and supplemental health and nursing care insurance. ARAG has been rated as the most popular health insurer in recognition of its product and service quality in a number of independent surveys.

“Ideal solutions for your health – to help you get well and stay well.”

Dr. Roland Schäfer, Board Member, Product Development, Underwriting and Sales

“You’re looking for attractive solutions that will help you get well or stay healthy – with a trustworthy partner at your side.”

Key figures for the business line in 2023.

Key figures ARAG Krankenversicherungs-AG

Health and security

ARAG Kranken offers customized products for people in every imaginable situation with its comfort and premium rates in the full-coverage segment. Consumers covered by statutory insurance can fill gaps in their health coverage with a wide range of attractive supplemental insurance policies. The high quality of ARAG health insurance policies is documented by high rankings in product and business ratings.

Business Line Composite Insurance

ARAG’s composite insurance business is concentrated primarily in Germany. The segment is served by ARAG Allgemeine. ARAG Allgemeine has demonstrated its strength as a provider of property, liability and accident insurance in a highly competitive market. The company is also Europe’s largest sports insurer with about 20 million leisure and competitive athletes insured.

"Customer satisfaction is the central focus of our daily work."

Christian Vogée, Board Member, Sales/Operations/Claims/Sports Insurance

“Customer satisfaction and service quality are not just hollow phrases at ARAG. They are the central focus of our daily work.”

Key figures for the business line in 2023.

Key figures ARAG Allgemeine Versicherungs-AG

Innovative products and reliable insurance solutions

In every case – from accidents to burglary to sports injuries – you are on the safe side with ARAG Allgemeine insurance. We offer our customers security they can rely on with innovative, needs-based products.