go to main content go to search go to contact page go to sitemap

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 and health insurance segments are served by ARAG subsidiaries. ARAG Allgemeineand 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/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.

Key figures ARAG SE

(in thousand euros)

2018
Change
2017
2016
Sales
Gross premiums written 915,988 5.29 % 870,004 824,616
Earned premiums for own account 915,213 5.43 % 868,041 841,252
Costs
Cost of claims for own account 471,873 1.97 % 462,746 415,393
Claims ratio (basis: earned premiums) 51.6 % - 1.7 %-pts. 53.3 % 51.0 %
Cost of insurance business for own account 401,876 3.26 % 389,181 364,385
Cost ratio (basis: earned premiums) 43.9 % 0.9 %-pts. 44.8 % 44.8 %
Overview of profit and loss
Underwriting result for own account 35,470 139.01 % 14,841 30,377
Income from capital investments 51,776 - 29.09 % 73,016 72,679
Other income/expenses - 35,073 - 12.90 % - 31,066 - 35,028
Profit on ordinary activities 52,174 - 8.13 % 56,791 68,028
Extraordinary operating result 0 n/a 0 0
Net income 31,598 - 1.35 % 32,031 31,663
Key Figures
Underwriting reserves/earned premiums (net) 147.9 % - 3.8 %-pts. 151.7 % 156.5 %
Equity/earned premiums 49.3 % - 1.3 %-pts. 50.6 % 51.9 %
 

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 figures ARAG Allgemeine Versicherungs-AG

(in thousand euros)

2018
Change
2017
2016
Sales
Gross premiums written 181,844 1.00 % 180,036 175,870
Earned premiums for own account 173,985 0.09 % 173,822 168,212
Costs
Cost of claims for own account 95,583 - 1.38 % 96,921 91,197
Claims ratio (basis: earned premiums) 54.94 % - 0.82 %-pts. 55.76 % 54.22 %
Cost of insurance business for own account 73,254 9.21 % 67,077 64,675
Cost ratio (basis: earned premiums) 42.10 % 3.51 %-pts. 38.59 % 38.45 %
Overview of profit and loss
Gross underwriting result before fluctuation reserve 1,074 - 89.71 % 10,440 18,671
Underwriting result before fluctuation reserve for own account 4,779 - 51.30 % 9,813 12,345
Underwriting result after fluctuation reserve for own account 11,770 3.20 % 11,404 7,322
Income from capital investments 10,515 - 6.36 % 11,229 8,914
Other income/expenses - 3,753 19.68 % - 4,672 - 2,201
Profit on ordinary activities 18,532 3,17 % 17,962 14,035
Net income (before transfer of profits from profit transfer agreement) 18,525 3.12 % 17,964 14,019
Key Figures
Underwriting reserves/earned premiums for own account 139.27 % - 2.55 %-pts. 141.81 % 142.78 %
Equity/earned premiums for own account 31.80 % - 0.03 %-pts. 31.83 % 32.89 %
 

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 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

“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

Key figures ARAG Krankenversicherungs-AG

(in thousand euros)

2018
2017
2016
Insurance portfolio
Health (monthly debit) 31,657 30,831 30,150
Premiums
Gross premiums written 373,754 365,099 356,873
Earned premiums for own account 373,374 364,545 356,456
Costs
Cost of claims 216,515 222,785 202,796
Cost of insurance business for own account 44,691 40,670 38,204
Overview of profit and loss
Underwriting result for own account 17,476 17,334 8,565
Profit on ordinary activities 13,085 12,638 6,757
Net income 7,800 8,900 6,700
Key figures
Administrative expense ratio 2.4 % 2.4 % 2.4 %
Net yield 2.5 % 3.8 % 3.8 %
Equity ratio 17.7 % 16.9 % 15.5 %
 

Cookies on ARAG.COM

We use different types of cookies to provide you with the best possible service. Details and possible objections can be found in our privacy policy.

Vielen Dank für Ihr Vertrauen.

Den Link zu unseren Datenschutzhinweisen finden Sie
jeweils am Ende jeder Seite (im Footer-Bereich).