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ARAG and its multiple business lines

The ARAG Group is perhaps best known for its products and services in the field of legal insurance. But 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 operational holding 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, life and health insurance segments are served by ARAG subsidiaries. ARAG Allgemeine, ARAG Leben and ARAG Kranken complement ARAG’s portfolio of quality insurance products outside the field of legal insurance.

ARAG Business Segments

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.

Hanno Petersen

“We aim for continuous improvement.”

Hanno Petersen, Group Board Member, IT/Services

“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 figures for the business line

Key business figures for this line.

Key figures ARAG SE
(in thousand euros)
2015
Change
2014
2013
Sales




Gross premiums written
766,127
5.30%
727,541
705,461
Earned premiums for own account
756,133
4.53%
723,339
704,972
Costs




Cost of claims for own account
400,070
-0.73%
403,026
411,037
Claims ratio (basis:earned premiums)
52.9%
-2.8%-pts.
55.7%
58.30%
Cost of insurance business for own account
344,781
7.35%
321,160
302,995
Cost ratio (basis: earned premiums)
45.6%
1.2%-pts.
44.4%
43.00%
Overview of profit and loss




Underwriting result for own account
11,267
2,695.78%
403
-10,276
Income from capital investments
71,620
-7.32%
77,279
79,762
Other income/expenses
-39,291
-9.74%
-35,805
-26,035
Profit on ordinary activities
43,596
4.11%
41,876
43,452
Extraordinary operating result
0
n/a
0
0
Net income
22,963
-16.51%
27,503
33,699
Key Figures




Underwriting reserves/earned premiums (net)
166.2%
-4.3%-pts.
170.5%
170.40%
Equity/earned premiums
53.7%
-1.3%-pts.
55.0%
54.60%
 

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 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 some 21 million leisure and competitive athletes insured.

Christian Vogée

"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

Key business figures for this line.

Key figures ARAG Allgemeine Versicherungs-AG
(in thousand euros)
2015
Change
2014
2013
Sales




Gross premiums written
168,476
2.18%
164,884
158,757
Earned premiums for own account
162,766
3.07%
157,912
155,352
Costs




Cost of claims for own account
81,150
-10.36%
90,534
67,522
Claims ratio (basis: earned premiums)
49.86%
-7.47%-pts.
57.33%
43.46%
Cost of insurance business for own account
64,264
3.72%
61,959
64,089
Cost ratio (basis: earned premiums)
39.48
0.24%-pts.
39.24%
41.25%
Overview of profit and loss




Gross underwriting result before fluctuation reserve
19,006
364.09%
4,095
26,013
Underwriting result before fluctuation reserve for own account
17,114
207.33%
5,569
23,442
Underwriting result after fluctuation reserve for own account
14,656
-7.21%
15,796
22,516
Income from capital investments
6,994
-44.12%
12,515
8,327
Other income/expenses
-6,612
-56.62%
-4,222
-5,151
Profit on ordinary activities
15,037
-37.58%
24,089
25,692
Net income (before transfer of profits from profit transfer agreement)
15,015
-37.15%
23,889
25,405
Key Figures




Underwriting reserves/earned premiums, gross
139.72%
-6.48%-pts.
146.20%
151.59%
Equity/earned premiums, gross
33.99%
-1.04%-pts.
35.03%
35.61%
 

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.

Business Line Life Insurance

ARAG Lebensversicherung has established a customer-oriented old-age security package in the market: ARAG FoRte 3D. The modern generation of unit-fund-linked policies combines security, yield and flexibility effectively in a single product. Thus ARAG is also a strong partner in the field of private old-age security in the German market.

Dr. Renko Dirksen

“’Independence’ must be more than just a word, even after retirement.”

Dr. Renko Dirksen, Board Member, Risk Management/Controlling, Legal Affairs/Compliance and IT/Business Organization

“We help our customers lay the foundation for future flexibility today with attractive, flexible pension insurance products in order to ensure that ‘independence’ remains more than just a word, even after retirement.”

Key figures for the business line

Key business figures for this line.

Key figures ARAG Allgemeine Lebensversicherungs-AG
(in million euros)
2015
2014
2013
Insurance portfolio



Life (insured amount)
7,265.6
7,281.3
7,176.9
Premiums



Gross premiums written
220.3
221.6
225.0
Earned premiums for own account
215.8
216.7
219.7
Costs



Cost of claims for own account
229.0
238.9
228.5
Cost of insurance business for own account
29.7
43.4
40.7
Overview of profit and loss



Gross profit
4.2
13.5
11.0
Profit of ordinary activities
3.3
8.5
3.2
Net income
0.0
1.0
0.0
Key Figures



Total premiums new business
461.0
687.2
658.5
Own funds ratio life ins.
150.8%
161.5%
163.8%
 

Individualized security

The unit-funds-linked policies offered by ARAG enable customers to choose an optimum combination of flexibility, security and yield. That facilitates individualized adjustment of old-age security coverage in response to each customer’s personal situation. With the ARAG RenditeTresor, unit-fund gains on freely invested funds can be secured in the long term. All of these advantages have repeatedly earned ARAG FoRte 3D outstanding rankings in independent performance surveys.

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.

Dr. Roland Schäfer - ARAG

“Optimum insurance coverage that is sure to remain affordable in the long term.”

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

“ARAG Health Insurance regards real customer benefit and business success as inseparable. Thus we stand for the best health and nursing-care insurance and ensure that it remains affordable for our customers in the long term.”

Key figures for the business line

Key business figures for this line.

Key figures ARAG Krankenversicherungs-AG
(in million euros)
2015
2014
2013
Insurance portfolio



Health (monthly debit)
29.4
28.7
28.4
Premiums



Gross premiums written
347.5
340.5
331.7
Earned premiums for own account
346.9
339.9
331.2
Costs



Cost of claims
193.8
191.4
185.1
Cost of insurance business for own account
38.1
39.5
39.1
Overview of profit and loss



Underwriting result for own account
14.5
18.1
13.0
Profit on ordinary activities
11.1
15.5
10.6
Net income
8.0
7.5
7.0
Key figures



Own funds ratio health ins.
248.2%
236.3%
225.3%