25 Insuretech Startups in Germany to Watch (and Work for) in 2023
Insuretech is rapidly transforming the way we think about and interact with the world around us. Across Europe, but particulartly in Germany, Insuretech startups are pushing boundaries, fixing problems worth solving, and reshaping the contours of their industry.
As we get into the end of 2023, we've curated a list of the top Insuretech startups in Germany that are making waves. We update this list monthly by tracking activity in our database of 17,000 technology companies in Europe and sort them dynamically using our Seedtable score, ensuring objectivity.
Changelog
Last update: November 2, 2023. Updated the Investor Score. See changelog .
Rankings are calculated using our Seedtable score – a 1 to 100 score that uses quantitative and qualitative data points (examples are money raised or employees over time) to signal the momentum behind a company. A score closer to 100 indicates a company worth watching closely.
Featured companies in Company
64Featured
One-stop digital health insurance solution.
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Latest Funding
$34 Million · Series F
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Employees
101 to 250
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Investors
HV Capital, HV Capital, HV Capital, HV Capital, HV Capital, Earlybird Venture Capital, Earlybird Venture Capital, btov Partners, btov Partners, Vorwerk Ventures, Vorwerk Ventures, Vorwerk Ventures, Vorwerk Ventures, TEV Ventures
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Business Model
B2B, B2C
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Industries
Health Tech, Insuretech
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Locations
Munich
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Contact
•••••@ottonova.de
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51Featured
Customized insurance products and integrates them into digital processing systems.
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Latest Funding
$11 Million · Series B
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Employees
51 to 200
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Investors
Claret Capital Capital, Element Ventures, Blue Impact Ventures, Seventure Partners, Seventure Partners
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Business Model
B2B, SAAS
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Industries
Health Tech, Insuretech
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Locations
Rostock
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Contact
•••••@partner.hepster.com
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46Featured
We are building the world’s most powerful insurance platform to make sure that everyone is properly protected, everywhere and anytime.
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Latest Funding
$63 Million · Series B
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Employees
101 to 250
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Investors
Earlybird Venture Capital, Earlybird Venture Capital, Earlybird Venture Capital, CommerzVentures, CommerzVentures, CommerzVentures, ABACON CAPITAL, btov Partners, Acton Capital, Capnamic Ventures
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Business Model
B2B, B2C
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Industries
Fintech, Insuretech, Mobile
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Locations
Heidelberg
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Contact
•••••@hellogetsafe.com
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Full list of Insuretech startups in Germany
46Risk and Insurance OS for SMBs
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Latest Funding
$4.4 Million · Seed
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Industries
Insuretech
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Locations
Berlin
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Employees
1 to 10
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Business Model
B2B, FREEMIUM
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Investors
Pact, Atlantic Labs
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Contact
•••••@surein.de
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42omni:us is the leading provider of intelligent insurance claim automation.
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Industries
Fintech, AI, Insuretech, Data and Analytics, Business Intelligence, Developer Tools
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Locations
Berlin
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Employees
51 to 100
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Business Model
B2B
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Investors
CommerzVentures, Viola Ventures
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Contact
•••••@omnius.com
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37Afilio offers legal and financial protection for individuals and businesses.
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Latest Funding
$13 Million · Series A
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Industries
Fintech, Insuretech, Legal Tech
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Locations
Berlin
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Employees
11 to 50
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Business Model
B2B, SAAS
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Investors
Cherry Ventures, Speedinvest, Cavalry Ventures Management, CommerzVentures
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Contact
•••••@afil.io
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31Paretos is the leading AI-based decision intelligence platform to make effective, data-driven decisions across entire organizations.
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Latest Funding
$9.7 Million
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Industries
CPG & Consumer Goods, Insuretech, Data and Analytics, Manufacturing, Sales and Marketing, Business Intelligence, Ecommerce
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Locations
Heidelberg
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Employees
11 to 50
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Business Model
B2B, SAAS
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Investors
UVC Partners
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Contact
•••••@paretos.com
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31Cyber insurance.
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Latest Funding
$3.3 Million · Seed
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Industries
Insuretech
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Locations
Berlin
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Employees
1 to 10
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Investors
Augmentum Fintech
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Contact
•••••@baobab.io
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26hakuna Provides a variety of embedded insurance solutions to e-commerce companies.
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Latest Funding
$3.8 Million · Seed
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Industries
Fintech, Insuretech, Ecommerce, Service Industry
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Locations
Berlin
- Employees
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Business Model
B2B, B2C, MARKETPLACE
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Investors
Visionaries Club
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Contact
•••••@hellohakuna.com
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26Fastest growing neo-insurer in Europe. Insurance Shaper of the Year 2019; Best Fintech Company 2017
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Latest Funding
$3.8 Million · Seed
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Industries
Fintech, Insuretech, Mobile, Ecommerce, IT Management
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Locations
Berlin
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Employees
11 to 50
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Business Model
B2B, B2C
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Investors
Change Ventures
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Contact
•••••@inzmo.com
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26YAS.life provides digital health bonus systems for health insurers.
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Latest Funding
$3.4 Million · Seed
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Industries
Health Tech, Fintech, Insuretech, Fitness
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Locations
Berlin
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Employees
11 to 50
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Business Model
B2B, SAAS
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Investors
IBB Ventures
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Contact
•••••@yas.life
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23Finlex is a commercial insurance platform for corporates, brokers and insurers.
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Latest Funding
$9.4 Million
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Industries
Fintech, Insuretech, Business Intelligence
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Locations
Frankfurt
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Employees
51 to 100
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Business Model
B2B, SAAS
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Contact
•••••@finlex.io
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23mailo provides digital entrepreneur insurer for freelancers, self-employed and small businesses.
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Latest Funding
$10 Million
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Industries
Fintech, Insuretech, Ecommerce
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Locations
Cologne
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Employees
11 to 50
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Business Model
B2B
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Contact
•••••@mailo.de
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23Simplesurance creates a platform for simple access to insurance to combine traditional insurance industries with digital business.
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Latest Funding
$18 Million
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Industries
Fintech, Insuretech, Ecommerce
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Locations
Berlin
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Employees
101 to 250
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Business Model
B2B, B2C
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Contact
•••••@simplesurance.com
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21Claimsforce is an insurance platform that provides designed to automate the claims management process.
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Latest Funding
$8.3 Million · Series A
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Industries
Fintech, AI, Insuretech, Machine Learning, Legal Tech
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Locations
Hamburg
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Employees
11 to 50
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Business Model
B2B, SAAS
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Investors
Point Nine Capital, Notion Capital, Fly Ventures, La Famiglia VC
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Contact
•••••@claimsforce.com
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21OptioPay is an open banking technology provider for customer-centric and value-add solutions based on bank account data.
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Latest Funding
$7 Million
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Industries
Fintech, Adtech, Insuretech, Payments, Personal Finance
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Locations
Berlin
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Employees
51 to 100
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Business Model
B2B, SAAS
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Investors
DvH Ventures
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Contact
•••••@optiopay.com
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21Vinlivt offers a wide range of financial retirement services.
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Latest Funding
$760 Thousand · Pre Seed
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Industries
Fintech, Insuretech, ElderTech
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Locations
Munich
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Employees
1 to 10
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Business Model
B2B, SAAS
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Contact
•••••@vinlivt.de
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18Finanzchef24 offers entrepreneurs and self-employed in Germany digital commercial insurance via its independent online comparison platform.
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Industries
Fintech, Insuretech, Ecommerce
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Locations
Munich
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Employees
101 to 250
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Business Model
B2B, MARKETPLACE
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Contact
•••••@finanzchef24.de
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17Maviance is a German based consulting (business and IT) and software development company.
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Latest Funding
$3 Million · Seed
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Industries
Fintech, Insuretech, Mobile, Payments, Developer Tools
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Locations
Leipzig
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Employees
11 to 50
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Business Model
B2B
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Contact
•••••@maviance.com
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17Vantik is the first mobile retirement account to boost your confidence in your financial future.
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Industries
Fintech, Insuretech, Mobile
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Locations
Berlin
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Employees
1 to 10
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Business Model
B2C
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Investors
Seedcamp, SGH CAPITAL, Atlantic Labs
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Contact
•••••@vantik.com
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12deineStudienfinanzierung is the digital platform to help students finance their studies.
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Industries
Edtech, Fintech, Insuretech, Mobile
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Locations
Berlin
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Employees
11 to 50
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Business Model
B2C, MARKETPLACE
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Investors
finleap
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Contact
•••••@deinestudienfinanzierung.de
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12Novum develops insurance software and provider of information technology solutions to companies that operate in the insurance industry.
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Industries
Fintech, Hardware, Insuretech, Mobility & Transportation, Energy & Nuclear, Manufacturing
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Locations
Nuremberg
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Employees
51 to 100
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Business Model
B2B
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Investors
High-Tech Gründerfonds
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Contact
•••••@novum-rgi.com
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12tech11 provides technology insurance solutions for the insurance industry.
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Industries
Fintech, Insuretech, Privacy and Security
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Locations
Würzburg
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Employees
11 to 50
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Business Model
B2B, SAAS
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Investors
High-Tech Gründerfonds
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Contact
•••••@tech11.com
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10Fairsich is a fair motor insurance solution that consists of a constant monitoring IoT device.
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Latest Funding
$170 Thousand · Pre Seed
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Industries
Fintech, Hardware, Insuretech, Business Intelligence
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Locations
Berlin
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Employees
1 to 10
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Business Model
B2B, B2C
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Contact
•••••@fairsich.de
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4Wetterheld provides online weather insurance for businesses.
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Industries
Insuretech
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Locations
Hamburg
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Employees
1 to 10
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Contact
•••••@wetterheld.com
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