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Data privacy statement

Financial services providers such as insurance companies are only able to render their services efficiently and economically in today's day and age with the help of electronic data processing (EDP). EDP is necessary to manage insurance contracts quickly and economically. The better protection of the insured community against misuse through the use of EDP is far superior to the relevant protection offered by manual procedures and thus this ultimately benefits every policyholder within the scope of calculating the premiums.


The ARAG insurance companies

  • ARAG SE, Düsseldorf
  • ARAG Allgemeine Versicherungs-AG, Düsseldorf
  • ARAG Krankenversicherungs-AG, Munich

in this statement pledge to diligently comply with the statutory regulations relating to data protection and data security when you visit their own web sites. In particular, we pledge to actively apply the German Federal Data Protection Act (BDSG) and the Telemedia Act (TMG) that is applicable for visiting web sites. Insofar as you disclose data, above all personal data, to the ARAG insurance companies via our web site, we ensure by means of encryption that this data is protected against inspection.

You can and should feel safe when visiting our web site because

  • we treat your data confidentially
  • none of your data is collected or evaluated covertly, and
  • we respect your privacy, in particular your personal and data protection rights.

This is indispensable, especially in the insurance and finance sector.

Data privacy notices

We pledge to abide by the following principles in particular.

Our measures

  • All of our employees are obliged to observe data privacy in accordance with § 5 of the German Federal Data Protection Act.
  • Insofar as stipulated by this Act, we only collect, process and use your data if you have given your consent to this.
  • We do not pass on your personal data to third parties, unless we are obliged to do so by law or you have given us your prior consent.
  • We only transmit personal data in cases where this is reconcilable with the intended purpose.
  • If we enlist service providers for the performance and settlement of certain processing operations, they are involved on the basis of the provisions of the German Federal Data Protection Act.
  • We ensure the necessary transparency in data processing.
  • We safeguard visits to our web site in accordance with the latest state-of-the-art.
  • In particular, personal data you send to us, and which may be returned to you, is always sufficiently encrypted against access by unauthorized persons, provided you use the contact forms provided on our Internet pages. You can view our key certificate by clicking the key icon in your browser's status bar during a secure connection.
  • Compliance with this data privacy statement is constantly monitored by our data protection officers and internal audits.

Data collections

If you visit our web site, our computers register this automatically so that we can keep track of the number of visitors. This data collection is completely anonymous. No personal references are created.

We will inform you of any further data collections on the relevant page.

The personal data you send us via a web site (for example: your name and address or your e-mail address) will only be used by us for correspondence with you or only for the purpose for which you have provided the data and not for any other purposes. However, we would also like to use your address data to inform you at irregular intervals about our products and services as well as any changes to these. However, we always obtain your consent in advance before using your data for advertising purposes or for market surveys and opinion polls.

As stipulated in the German Federal Data Protection Act, you can refuse this ARAG advertising at any time. Simply send us a short message.


Information about cookies

Our web site uses cookies so that we can offer you the best possible results. By using our page, you agree to the use of cookies.

What are cookies?

Cookies are small text files that are sent to your web browser and saved locally on your PC. On the one hand, these files control the way the page is shown and operated. On the other, they are used to obtain useful information about the way our pages are used. Some cookies are only saved temporarily and are deleted when the browser is closed. Other cookies (so-called "persistent cookies") are saved over a longer period or permanently, or until an expiry data is reached, or until they are deleted manually from your browser cache.

Why do we use cookies?

  • To recognize your computer,
  • to understand how our web site is used,
  • to improve the usability of the web site.

What types of cookies do we use?

Basically needed cookies are required so that you can navigate a page and use its properties. Certain functions cannot be guaranteed without these cookies, for example retaining certain actions (e.g., text inputs) carried out during a visit, even if one navigates between different pages.

Performance cookies collect information on the way a web site is used – for example, which pages a visitor calls up most frequently and whether they receive error messages from web sites. These cookies do not save information that could allow you to be identified. The collected information is aggregated and thus anonymous. The cookies are only used to improve the performance of a web site and thus the user's experience.

Functional cookies allow a web site to save entries already made (for example user name, language choices or locations) and to offer you improved customized functions. These cookies cannot track your movements on other web sites.

Cookies for marketing purposes are used to show specific ads that may be relevant and of interest to you. They are also used to limit the frequency of an ad's appearance.

First party cookies are set by the site itself when you visit this site.

Third party cookies are set by a domain that is not the site's domain. If you visit the site and a different legal entity sets a cookie via this site, this is called a third party cookie (e.g. DoubleClick cookie of Google Inc.).

Session cookies are created during a browser session and are also only active during the session. A browser session begins as soon as you open the browser window and ends when you close the browser window. Session cookies are created temporarily. All session cookies are deleted as soon as you close the browser.

Persistent cookies remain on your computer or mobile device until they are deleted manually or expire.

Cookies set by ARAG have a lifespan of up to two years, unless otherwise specified in the specific cookie descriptions. The cookies are deleted automatically after two years. Cookies can be deleted manually at any time independent of this.

How can you manage cookies?

Modern Internet browser allow you to manage the use of cookies in your own browser, for example in the menu item "Security/Data privacy statement" (depending on the manufacturer). This is where you can specify whether you want to receive a warning, for example, when your browser is offered a cookie for storage. It is also possible to reject the acceptance and storage of cookies either in part or entirely. However, this means that error messages will be received when calling up certain Internet pages.

Notes on statistical data collection

Google Analytics

This web site uses Google Analytics, a web analysis service of Google Inc. ("Google"). Google Analytics uses so-called "cookies", text files that are saved on your computer and that allow an analysis of how you use the web site. The information generated by the cookie about your use of this web site is usually sent to a Google server in the USA and stored there.

If IP anonymization is activated on this web site (note: we implement this practice) your IP address will be shortened in advance by Google within member states of the European Union or in other states party to the agreement on the European Economic Area.

Your full IP address will only be sent to a Google server in the USA in exceptional cases and shortened there. Goggle uses this information on behalf of the operator of this web site to compile reports on the web site activities and to render further services for the web site operator associated with the use of the web site and the Internet.
The IP address sent by Google Analytics from your browser is not brought together with other data by Google. You can prevent the cookies being saved through a corresponding setting in your browser software; however, we would like to expressly point out that in this case you may not be able to use all of the functions provided on this web site.

You can also prevent the data generated by the cookie and relative to your use of the web site (incl. your IP address) from being sent to and processed by Google by downloading and installing the browser plug-in available from the following Link .

Further information on the conditions of use and data privacy can be found here and here. We would like to point out that Google Analytics has been supplemented by the code "anonymizeIp" on this web site to guarantee an anonymized recording of IP addresses (so-called IP masking).

Source: www.datenschutzbeauftragter-info.de



Apart from the basic functions of Google Analytics, we also use reports on the performance according to demographic features and interests. Further information on demographics can be found here.



We use the online advertising program "Google AdWords" and conversion tracking within the scope of Google AdWords. Google conversion tracking is an analytical service of Google Inc. (1600 Amphitheatre Parkway, Mountain View, CA 94043, USA; "Google"). If you click an ad set by Google, a conversion tracking cookie will be saved on your computer ("conversion cookie"). These cookies become invalid after 30 days, contain no personal data and thus are not used for any personal identification.

If you visit certain Internet pages of our web site and the cookie has not yet expired, both Google and we can see that you have clicked the ad and have been forwarded to this page. Every Google AdWords customer receives a different cookie.

The information collected with the aid of the conversion cookie is used to generate conversion statistics for AdWords customers who have decided on conversion tracking. The customer hereby learns the total number of users who have clicked their ad and who have been forwarded to a page containing a conversion tracking tag. However, they do not receive any information that would allow them to personally identify the user.

If you do not want to participate in this tracking, you can refuse its use by preventing an installation of the cookies through a corresponding setting in your browser software (deactivation option). You will then not be included in the conversion tracking statistics.

Further information and the Data privacy statement of Google can be found here.


Google Remarketing

We use the remarketing or "similar target groups" function of Google Inc. ("Google") on our web site. By means of this function, we can address web site visitors with targeted advertising by showing visitors to the ARAG SE web site customized, interest-related ads when they visit other web sites in the Google Display network. Google uses so-called cookies to carry out the analysis of the web site usage, which forms the basis for generating interest-related ads. To this end, Google saves a small file with a sequence of numbers in the browsers of the web site visitors. The visits to the web site as well as anonymized data about how the web site is used is collected through these numbers. No personal data about web site visitors is saved. If you then visit another web site in the Google Display network, you will be shown ads that very likely take into account the product and information areas you have visited beforehand.

You can permanently deactivate the use of cookies by Google by downloading and installing the plug-in provided. Alternatively, you can deactivate the use of cookies by third parties by calling up the deactivation page of the network advertising initiative and implementing the further information provided there on an opt-out.

Further information and the Data privacy statement of Google can be found here.


Display marketing

ARAG SE draws attention to its offers on the Internet through so-called display marketing. In order to control their display campaigns, the companies in the ARAG group use the services of the online agency concept media GmbH, Hamburg (Group M Server). They have committed themselves to a Europe-wide voluntary obligation above and beyond the minimum statutory requirements. The object of this voluntary obligation is, amongst other things, to give Internet users the opportunity to be able to contradict any tracking of his/her online behavior. Click here to opt out of use-based online advertising.



Technologies of etracker GmbH (www.etracker.com) are used on the web site to collect and save data for marketing and optimization purposes. A user profile can be created under a pseudonym from this data. Cookies may be used for this purpose. The cookies allow the Internet browser to be recognized and may have a lifespan of several years. The data collected using the etracker technologies are not used without the express consent of the affected party to personally identify visitors to this web site and not to bring this together with personal data about the bearer of the pseudonym.

This data collection and storage can be contradicted at any time with effect for the future.

ARAG SE uses the etracker technology to enable a statistical analysis of how the web site is used. The information that is generated about the use of this web site is primarily used to generate analyses and charts on the number of visitors and views. We only use these for our own market research purposes and above all to optimize the user friendliness and design of our web site.



Use of Facebook plug-ins

These Internet pages use plug-ins from the facebook.com social network that is operated by Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA ("Facebook"). If you call up our Internet site from an Internet page with this kind of plug-in a link will be established to the Facebook servers and the plug-in shown on the Internet page through a message to your browser. This means that the Facebook server is informed of which of our Internet pages you have visited. If you are logged in as a Facebook member at the time, Facebook will associate this information with your personal Facebook user account. If you use the plug-in function (e.g. by clicking the "Like" button or leaving a comment) this information will also be assigned to your Facebook account; this can be prevented by logging out before using the plug-in. Since we take the protection of your data seriously, we employ a two-stage process for the plug-in function that only allows the transfer of personal data with your explicit consent. This means when you call up a page normally, no data will be sent to Facebook and co. A connection will only be established to the operators of Facebook and other social networks when you click the "Activate social media" button. Further information on the collection and use of data by Facebook, about your rights in this respect and the different ways to protect your privacy can be found in the Data privacy notes of Facebook.

Use of Facebook remarketing

We use the remarketing function "Custom Audiences" of Facebook Inc., 1601 S. California Ave, Palo Alto, CA 94304, USA ("Facebook") on the web site. By means of this function, we can address web site visitors with targeted advertising by showing visitors to the ARAG SE web site customized, interest-related Facebook ads when they visit the Facebook social network. The Facebook remarketing tag is implemented on the provider's web site to realize this function.

This tag establishes a direct link to the Facebook servers when you visit the web site. This means that the Facebook server is informed of which of our Internet pages you have visited. Facebook assigns this information to your personal Facebook user account. Further information on the collection and use of data by Facebook, about your rights in this respect and the different ways to protect your privacy can be found in the Data privacy notes of Facebook. If you do not want Facebook to assign the collected information directly to your Facebook sure account, you can deactivate the "Custom Audiences" remarketing function here. You have to be logged into Facebook to do so.

Apart from the basic functions of Google Analytics, we also use reports on the performance according to demographic features and interests. Further information on demographics can be found ˃here.

Rights of access to and correction of saved personal data

You can revoke any consent to the collection, storage, processing and use of your personal data at any time with effect for the future.

In accordance with § 6 BDSG in conjunction with § 34 BDSG, you are entitled to demand information about any data we store about you free of charge.

In accordance with § 6 BDSG in conjunction with § 35 BDSG, you are also entitled to a correction of incorrect data or the deletion/blocking of any data that has been collected, saved or used inadmissibly.

In these cases, please contact the operational data protection officer of ARAG directly.

Handling e-mails

If you provide ARAG with an e-mail address, this will be used by ARAG to send you the information you have requested. However, personal data or other confidential information is only sent at present by ARAG by post. E-mail messages related to contractual relationships will be archived in accordance with the statutory retention requirements. As for the rest, we will only use the e-mail address you provide for correspondence. ARAG does not pass on your e-mail address to third parties. Nor does ARAG send you any unsolicited e-mails. Should you receive any unsolicited e-mails that appear to have been sent by ARAG, these are fakes that can be deleted.

Please remember that an e-mail and its content is less secure against unauthorized interception and falsification than a postcard We therefore recommend using the corresponding ARAG contact forms on our web site if you want to send us any confidential ARAG data.

ARAG also uses your e-mail address to send you the "ARAG Newsletter", provided you have granted the necessary consent to this within the scope of the newsletter request.

Handling customer data

The representatives of the German data protection supervisory authority, together with the Verbraucherzentrale Bundesverband e.V. and the umbrella organization of German insurance companies, the German Insurance Association (GDV), have drawn up and agreed upon new codes of conduct for dealing with the policyholders' personal data.

This so-called data protection creates largely uniform standards for the insurance sector and demands compliance with data protection law regulations. It should give policyholders a guarantee that data privacy and data protection interests have been taken into account when designing and processing products and services.

The insurance companies in the ARAG group have bindingly acknowledged the German insurance sector's code of conduct for handling personal data through their accession on 01.07.2013. As of 01.07.2013, the processing of your personal data is based on precisely this code of conduct.

In many cases, this has done away with the declarations of consent that have been used up to now.

One exception here remains particularly sensitive personal data, which includes, for example, your health data. We still require your discharge from the duty of confidentiality and informed consent on data privacy to collect and process this sensitive data.

New informed consent and discharge from the duty of confidentiality

In the health, life and accident insurance, it is necessary for us to collect and process your health data as well as other particularly sensitive personal data, some of which is protected by § 203 of the German Criminal Code (StGB). So as to create more transparency for you, a new informed consent and discharge from the duty of confidentiality has been agreed between the supreme data protection supervisory authorities and the representatives of the insurance sector that came into effect on 01.01.2013. This declaration ensures an optimized and thus even more effective protection of your data.

In agreement with the data protection supervisory authorities, this new informed consent and discharge from the duty of confidentiality is also applicable for existing insurance contracts that were concluded before 01.01.2013.

The new informed consent and discharge from the duty of confidentiality does not affect the scope of your existing insurance contract and replaces the informed consents and discharges from the duty of confidentiality formerly used in the field of health, life and accident insurances.

We have saved the latest version of the complete content and structure of this new regulation for each insurance segment for you below.

List of service providers for ARAG

The informed consents and discharges from the duty of confidentiality also refer to the list of service providers, as do the "Codes of conduct for handling personal data by the German insurance sector" (data protection codex). The latest version of this list can be viewed and downloaded here.

Registrable particulars

We would like to inform you in accordance with the stipulations of § 4a) BDSG about the basic aspects of data usage in the individual group companies of ARAG that have to be provided to everyone by the responsible office in the following:


Please contact our data protection officer should you have any questions about the processing, transfer and use of your data. You can also address your requests for information, suggestions or complaints to our data protection officer.

Data protection officer
Michael Gottmann
ARAG Versicherungen
ARAG Platz 1
40472 Düsseldorf
Phone: 0211 963-2814
Facsimile: 0211 963-2813
E-mail: ˃ datenschutzarag.de


This data privacy statement applies for all web sites for which the aforementioned ARAG insurance companies are responsible.

ARAG web sites may contain links to the web sites of other companies. This statement does not cover these web sites.

Validity of this data privacy statement

This data privacy statement is currently valid and dates from 10.05.2016. Improvements to this statement will be published here and shall apply as of the relevant data of publication.