2026 Annual Press Conference
Group Records Another Strong Increase in Premium Income
Review of the past year and outlook for the current fiscal year
First quarter of 2026 with continued stable growth
- Gross premiums written of the ARAG Group increased by 13.2 percent in 2025
- Legal insurance grew by 11.5 percent
- Health insurance once again increased strongly by 18.4 percent
- The combined ratio improved to 89.4 percent
- Profit/loss from ordinary activities increased by 6 percent
- Premium growth in the first quarter of 2026 at 10 percent
In the 2025 financial year, the ARAG Group generated gross premiums written of€3.16 billion. This corresponds to an increase of more than €340 million. After a decline in 2024, the underwriting result improved again from €96 million to €105 million. Profit/loss from ordinary business activities reached a profit of nearly €150 million, compared to €141 million in the previous year. Consolidated net income remained at a good level at €89 million. “ARAG delivered a confident performance last year. The Group once again achieved substantial growth and further improved its results. Our growth target of €3 billion in premium income has already been exceeded. This milestone was reached five years earlier than planned,” said Dr. Renko Dirksen, Chairman of the Management Board of ARAG SE, at the presentation of the ARAG Group’s financial statements.
The 2025 financial year was once again successful for ARAG. In Germany, premium income reached €1.75 billion, an increase of 13 percent compared to the previous year. Growth was once again driven by legal and health insurance. Outside Germany, premium income amounted to €1.41 billion, an increase of 13.5 percent compared to 2024. At the end of 2025, the Group managed a total of 14 million contracts. The combined ratio improved from 90.6 percent to 89.4 percent. Claims incurred net of reinsurance increased from €1.5 billion to more than €1.6 billion, while the Group claims ratio remained stable at 54.6 percent. The cost ratio was reduced again to 34.8 percent, compared to 35.9 percent in the previous year. Gains and losses on investments were slightly lower at €157 million compared to €161.5 million in 2024. The legal expenses insurance segment, the Group’s largest unit, once again generated strong premium growth of 11.5 percent to €1.82 billion. Demand for private health insurance remained high in 2025. ARAG health insurance recorded premium growth of 18.4 percent, reaching €886.3 million in gross premiums. The composite segment also grew significantly, increasing by 10.9 percent to €430 million.
ARAG Annual Press Conference 2026