Best InsurTech Companies in Bavaria, Germany
The 43 best InsurTech companies in Bavaria, Germany in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Ottonova.
Our analysis of 50 InsurTech companies
$13.8b in tracked funding; 100% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best InsurTech companies in Bavaria
| # | Company | Disclosed funding | Employees | Founder | Last round | Tech stack | Web popularity | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | CHECK24 Operator of online platform providing comparison services for insurance and finance | — | 3,038 | Eckhard Juls Co-Founder & Managing Director | 256 mo ago | Apple iCloud MailNode.jsMUI+15 | Top 50k | — |
| 2 | Minnosphere Insurance underwriting and risk management platform | — | 2,745 | Stephan Melzer CEO & MD | — | — | — | — |
| 3 | Allianz Direct Provider of car, home, and travel insurance solutions | — | 710 | — | — | Amazon Web ServicesSwiperlit-html+14 | Top 500k | — |
| 4 | Fadata Platform offering life and property and casualty insurance software | — | 249 | Liselotte Munk CEO | 107 mo ago | WordPressApple iCloud MailMicrosoft 365+25 | Top 10M | — |
| 5 | Mobile Health Insurance App-based health insurance for individuals | — | 156 | Mario Heiss CEO | — | Apple iCloud MailJavaApache HTTP Server+8 | Top 500k | — |
| 6 | NOVUM Software solution provider for insurance industry | — | 53 | — | — | — | — | — |
| 7 | tech11 P&C insurance suite solutions | — | 52 52 → 87 (+67%) | Pierre Dubosq Founder & Managing Director | 56 mo ago | HubSpot CMS HubApple iCloud MailMicrosoft 365+18 | Top 50M | 1 partnership |
| 8 | Finanzchef24 Provider of comparison services for an array of business insurance products | $13M | 50 50 → 29 (-42%) | Vlad Barboni Co-CEO & Chief Technology Officer | 63 mo ago | Node.jsTypeScriptGraphQL+20 | Top 5M | 1 partnership |
| 9 | Gini Developer of solutions for banking, insurance, and e-commerce payment processing | — | 40 | — | 140 mo ago | WordPressApple iCloud MailGoogle Workspace+29 | Top 10M | — |
| 10 | apinity Provider of API-enabled-SaaS platform for insurance businesses | — | 30 | Anna-Carina Haeusler Managing Director/ Co-Founder | — | WordPressMySQLPHP+32 | Top 50M | — |
| 11 | InsureQ Online insurance platform for businesses | $6M | 25 | Johannes Breulmann Co-Founder & Managing Director | 64 mo ago | — | — | — |
| 12 | Ottonova Health insurance provider for the patients and employees | $180M | 24 | Sebastian Scheerer Co-Founder & CDO | 47 mo ago | SentryApple iCloud MailYouTube+22 | Top 1M | — |
| 13 | Etherisc Decentralized insurance application for Insurers | $182K | 18 | Christoph Mussenbrock Co-Founder & CEO | 91 mo ago | MediumAlgoliaNode.js+10 | Top 50M | — |
| 14 | Hakuna Provider of product authentication and protection software solutions for businesses | $6M | 15 | Orhan Köroglu Founder & Co-CEO | 47 mo ago | Webflow EcommerceWebflowApple iCloud Mail+19 | Top 10M | — |
| 15 | CyberDirekt Cyber insurance for SMBs | $1M | 15 | Hanno Pingsmann Founder | 100 mo ago | — | — | 1 partnership · 1 award |
Top 11 InsurTech companies in Bavaria
#1
Public · Munich, Bavaria · founded 2015 · 24 employees$180.4Mraised▾
Ottonova provides health insurance for individuals and employees. The company develops an application platform that helps the users to register and access the clinic insurance coverage plans for medical services. They offer concierge services like doctor consultations, treatment plans, medical data storage, prescription management, and more. It also offers a health and fitness policy management app to its customers. It serves self-employed, employees, civil servants, and beneficiaries with full services based on their coverage plans.
- Sep 2022Series F$34M
- Aug 2021Series E$47.4M
- Nov 2019Series D$66.1M
- Jun 2017Series C$11.2M
#2
Seed · Unterhaching, Bavaria · founded 2021 · 15 employees$5.7Mraised▾
Provider of product authentication and protection software solutions for businesses. It provides embedded insurance for retailers. The company offers online retailers of all sizes and industries access to the right insurance products.
- Sep 2022Seed$4M
- Dec 2021Seed$1.7M
- Seed—
#3
Series C · Munich, Bavaria · founded 2012 · 50 employees$12.6Mraised▾
Provider of comparison services for an array of business insurance products. It offers options for various business insurance types. These include liability, legal protection, property, and commercial vehicle coverage. The platform supports professionals across many sectors in securing insurance.
- May 2021Series C—
- Jul 2016Series C$4.5M
- Jun 2014Series B$5.4M
- Jan 2013Series A$2.7M
#4
Seed · Munich, Bavaria · founded 2020 · 25 employees$6Mraised▾
InsureQ is an online insurance platform for businesses. It offers coverage for financial loss liability insurance, public liability insurance, content and electronics insurance, personal damage insurance, business interruption insurance and cyber insurance. It allows enterprises, startups, and freelancers to choose from multiple insurance plans and platforms. Features tools for automating insurance coverage, price calculations, damage reports, and policy adjustments.
- Apr 2021Seed$6M
#5
Seed · Starnberg, Bavaria · founded 2016 · 15 employees$1.5Mraised▾
CyberDirekt provides cyber insurance to the SMBs in Germany. As of August 2017, the company is in stealth mode.
- Apr 2018Seed$1.5M
#6
Funding Raised · Munich, Bavaria · founded 2016 · 18 employees$181.5Kraised▾
Etherisc provides blockchain-based decentralized insurance applications for Insurers. Etherisc claims to automate the manual processes, claim handling, issuance of application etc. via smart contracts. In Dec 2016, Etherisc developed an alpha tested product named Flight Delay DAPP which processes the insurance applications for flight delay.
- Jan 2019Grant (prize money)$181.5K
#7
Seed · Munich, Bavaria · founded 2021 · 1 employees—raised▾
Provider of an open B2B2C platform for non-insurance services. It offers insurers additional non-insurance services together, thereby providing the insurance companies with help with claims and other insurance services.
- Dec 2022Seed—
#8
Seed · Wurzburg, Bavaria · founded 2018 · 52 employees—raised▾
Tech11 provides a cloud-based insurance software suite for P&C insurers. It features solutions for front & back office management, automated processing, document management, claims management, rating, product development, policy management, B2C sales & distribution, analytics, etc. Also offers cloud services for managing digital platform.
- Dec 2021Seed—
- Apr 2021Seed—
#9
Acquired · Munich, Bavaria · founded 1990 · 249 employees—raised▾
Platform offering life and property and casualty insurance software. Its cloud-enabled platform is designed to streamline insurance operations. It provides an enterprise software system that supports various lines of insurance business. It also enables organizations to automate their processes and adapt to changing market demands.
- Sep 2017Unattributed—
#10
Public · Munich, Bavaria · founded 2010 · 40 employees—raised▾
Developer of solutions for banking, insurance, and e-commerce payment processing. The company provides options for photo payment, payment initiation, and request-to-pay. It offers mobile document capture and in-app payment solutions. The company's products extract data and connect payment options.
- Dec 2014Series A—
- Mar 2014Seed—
#11
Funding Raised · Munich, Bavaria · founded 1999 · 3038 employees—raised▾
Operator of online platform providing comparison services for insurance and finance. The platform enables users to compare various insurance products, financial services, travel options, and telecommunication plans. It offers comparisons for products such as car insurance, personal loans, and internet plans. The platform aims to provide users with options to assess and select services.
- Apr 2005Unattributed—
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of InsurTech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Insurtech is moving in Germany
A read on the academic research around Insurtech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 6 Germany-affiliated papers.
- Friedrich-Alexander-Universität Erlangen-Nürnberg4
- University of Göttingen2
- Saarland University1
- TH Köln - University of Applied Sciences1
- FH Münster1
- Industrial organization1
- Telematics1
- Adaptation (eye)1
- Structural equation modeling1
- Unified theory of acceptance and use of technology1
- Technology acceptance model1
- Usability1
- Context (archaeology)1
- Telematics1
- Variety (cybernetics)1
- Cover (algebra)1
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.