Insurance Chamber of Bavaria

from Wikipedia, the free encyclopedia
Versicherungskammer Bayern Insurance company under public law

logo
legal form Institute of public right
founding 1811
Seat Munich
management Frank Walthes ( Chairman of the Management Board )
Ulrich Netzer ( Chairman of the Supervisory Board )
Number of employees 6,577 (2018, Group)
sales 8.3 billion euros (gross premiums written 2018, Group)
Branch Insurance
financial services
Website www.vkb.de

Headquarters of the Bavarian Insurance Chamber in Munich
Business areas of the public insurers in Germany

The Versicherungskammer Bayern insurance company under public law is a personal and property insurer based in Munich . It offers life insurance , private health and long-term care insurance, as well as accident and property insurance for private customers, companies, farmers, local authorities and other public bodies and institutions.

The Versicherungskammer Group, whose parent company is Versicherungskammer Bayern Versicherungsanstalt der public law, is the largest public insurer in Germany and the seventh largest primary insurer in Germany in terms of premium income .

Under the regional brands “Versicherungskammer Bayern”, “Saarland Versicherungen” and “ Feuersozietät ”, the Versicherungskammer offers life insurance, property and casualty insurance, health and long-term care insurance and travel insurance in Bavaria and the Palatinate, in Saarland and in Berlin and Brandenburg . The group operates nationwide in the areas of health and long-term care insurance as well as travel insurance. The Insurance Chamber is also represented nationwide online with the digital insurer “BavariaDirekt”.

The Bavarian Insurance Chamber and its subsidiaries are part of the Sparkassen-Finanzgruppe .

history

Foundation of the Bavarian State Fire Insurance Institution

The roots of today's Versicherungskammer Bayern group go back to 1811. In that year, King Maximilian I Joseph (1756-1825) bundled all of Bavaria's existing fire insurance institutions in the General Fire Insurance Company for the Kingdom of Bavaria ( Bavarian State Fire Insurance Company ).

1875 to 1994: State Authority

The Bavarian State Brandversicherungsanstalt in 1875 passed by a decree of King Ludwig II of Bavaria in the management of a central state authority. The royal law justified the construction of the Royal Bavarian fire insurance chamber , the creator and head of the lawyer and farmer Matthew of Jodlbauer was. In 1890 the fire insurance company for the Rhine Palatinate, which was united with Bavaria after the Congress of Vienna (founded in 1817), was merged with the Bavarian state fire insurance company. In 1884 the newly founded Bavarian State Shale Insurance Company and in 1896 a state cattle insurance company were incorporated into the authority. In the course of this, the fire insurance chamber was reorganized and renamed the Royal Bavarian Insurance Chamber in 1896, and then in 1918 the Bavarian Insurance Chamber .

In the 1920s, the Insurance Chamber was involved in the establishment of new public law institutions that expanded the public insurance system in Bavaria to include additional types of insurance. In 1920 the composite insurer Bayerischer Versicherungsverband was founded (initially renamed under the name Bayerischer Feuersicherungsverband as a public-law provider of furniture fire insurance, in 1921). B. motor vehicle, liability, accident and storm insurance offered. In 1926 the Bavarian Official Health Insurance Fund was added. Both insurers have been assigned to the Bavarian Insurance Chamber since it was founded . In 1922 the life insurer Bayern-Versicherung was founded with the participation of the Savings Banks Association of Bavaria and the Cooperative Association of Bavaria ; However, Bayern-Versicherung was not integrated into the group until 1999.

After the Second World War and the currency reform , the Bavarian Insurance Chamber continued to be an authority affiliated to the Bavarian State Ministry of the Interior , which managed the business of insurance companies. In addition to the Bavarian Insurance Association , the Bayerische Beamtenkrankenkasse and the Bavarian State Fire Insurance Agency , it also managed eleven pension institutions , some of which operate nationwide , including compulsory professional care for doctors, pharmacists, dentists and architects.

From 1995: Development into an insurance group

In the course of the liberalization of the European internal market, the state building insurance monopolies in all EU member states ceased to exist on July 1, 1994 (Article 3 Directive 92/49 / EEC); this also affected the business activities of the Bayerische Landesbrandversicherungsanstalt . With the "Law for the Reorganization of the Legal Relationships of the Public Insurance Institutions of the Free State of Bavaria", the Free State decided in July 1994 to completely withdraw from the insurance business, to dissolve the Bavarian Insurance Chamber as an authority and to re-establish it as an institution under public law. The Bavarian Insurance Association , the Bavarian Official Health Insurance Fund and the Bavarian State Fire Insurance Company were converted into stock corporations; the administration of the supply companies was brought together in the Bavarian Supply Chamber. In 1995, the insurance companies were the Bavarian Chamber of Insurance by the State to the Bavarian Savings Bank Association and the Savings Banks Association Rhineland-Palatinate sold. In July 1995, the Versicherungskammer Bayern insurance company, now acting as a holding company, replaced the Bavarian Insurance Chamber .

From then on, their products were also sold through the Sparkasse branches in Bavaria and the Palatinate. In 1997, the Versicherungskammer Bayern Group Rückversicherung AG, a reinsurer of its own, was founded in the group. In 1999 Bayern-Versicherung , which was owned by the two savings bank associations and the Bavarian cooperative association and had not been included in the scope of consolidation of the group, was converted into a stock corporation and consolidated.

The private health insurance UKV - Union Krankenversicherung , founded in 1979 as a joint venture by ten public-law insurers, was brought into the newly founded holding company Consal Beteiligungsgesellschaft AG in 2000 together with Bayerische Beamtenkrankenkasse AG , which from now on is the health insurance business of the insurance chamber and the other public insurers bundled. The newly founded Union Reiseversicherung AG has also been operating under this roof since 2001 .

With the acquisition of a majority stake (51.1%) of the likewise already belonging to the Savings Banks Finance Group companies Saarland fire insurance AG and Saarland life insurance AG extended (both founded in 1951), the regionally focused business model "insurer of the Regions" in 2002 to the Saarland . The Insurance Chamber has held 100 percent of the shares in both companies since 2018.

The Insurance Chamber Group has also been active in Berlin and Brandenburg since 2004. This year, a consortium led by the Bavarian Insurance Chamber took over the fire society Berlin Brandenburg and its associated Public Life Insurance Berlin Brandenburg , which had previously been owned by the states of Berlin and Brandenburg. The fire society / public life insurance company has been part of the group since 2011 .

In 2005, the Insurance Chamber Group took over Ostdeutsche Versicherung AG ( OVAG ), which was founded in 1995 . From the end of 2008 he established the “BavariaDirekt” brand belonging to OVAG , a digital insurer active in the online business .

In 2008 the Bayerische Beamtenkrankenkasse bought the private health insurer BBV Krankenversicherung from the Bayerische Beamtenversicherung .

Timeline

  • 1811 Foundation of the Bavarian State Fire Insurance Company
  • 1875 Establishment of the Royal Bavarian Fire Insurance Chamber
  • 1896 Renaming to the Royal Bavarian Insurance Chamber
  • 1918 Renamed to Bavarian Insurance Chamber
  • 1920 Establishment of the Bavarian Fire Insurance Association (renamed to the Bavarian Insurance Association in 1921 )
  • 1922 Establishment of Bayern Versicherung
  • 1926 Foundation of Bayerische Beamtenkrankenkasse Aktiengesellschaft
  • 1995 Privatization as the Bavarian Insurance Chamber
  • 1997 Foundation of Group Reinsurance
  • 1999 Consolidation of Bayern-Versicherung AG
  • 2000 Merger of the health insurers Bayerische Beamtenkrankenkasse and Union Krankenversicherung under Consal Beteiligungsgesellschaft AG
  • 2001 Union Reiseversicherung AG is founded
  • 2002 Integration of Saarland Feuerversicherung AG and Saarland Lebensversicherung AG
  • 2004 Incorporation of the fire society / public life Berlin Brandenburg
  • 2005 Takeover of OVAG - Ostdeutsche Versicherung AG
  • 2008 Start of the digital insurer Bavaria Direkt as a brand of OVAG; Acquisition of BBV Krankenversicherung AG

Business activity

Insurance lines

Property and casualty insurance

The Group's regional property and casualty insurance companies , Bayerische Landesbrandversicherung AG , Bayerischer Versicherungsverband Versicherungs-AG , Feuersozietät Berlin Brandenburg AG , Saarland Feuerversicherung AG and OVAG Ostdeutsche Versicherung AG , offer private and corporate accident insurance, liability insurance , motor insurance , fire , building and insurance Home insurance , credit and surety insurance and other property insurance. The Union Travel Insurance AG is active as the common travel insurer Sparkassen-Finanzgruppe and public insurers nationwide and beyond in the UK and Ireland.

In parallel to its activities for private customers, small and medium-sized companies and farmers, the group also operates in Bavaria and the Palatinate as a special insurer for municipalities, public institutions and institutions through the Versicherungskammer Bayern Versicherungsanstalt der public law .

Digital insurer BavariaDirekt

The nationwide online business of the group is operated by BavariaDirekt, a brand of Ostdeutsche Versicherung AG (Berlin). BavariaDirekt offers, among other things, motor vehicle, household contents and liability insurance. The range also includes insurance products to cover risks in the area of smart home or cyber crime .

Life insurance

The group's life insurers - Bayern-Versicherung AG , Saarland Lebensversicherung AG and Public Life Insurance Berlin Brandenburg AG - offer insurance products for private old-age provision ( pension insurance , life insurance and disability insurance ) as well as company pension schemes .

In terms of gross premiums written, Bayern-Versicherung ranks sixth among the largest life insurers in Germany (2018).

Healthcare

The Group's health and long-term care insurance business is bundled in Consal Beteiligungsgesellschaft and is operated by Bayerische Beamtenkrankenkasse AG (Munich) and UKV - Union Krankenversicherung AG (Saarbrücken). Both companies offer private full and supplementary health insurance , private long-term care insurance and company health insurance . Together they act as the health and long-term care insurer of the Sparkassen-Finanzgruppe and operate nationwide. In addition, they cooperate in the area of ​​supplementary insurance with some statutory health insurance companies ( AOK Bavaria , AOK Saxony-Anhalt and social insurance for agriculture, forestry and horticulture ).

Market position and business area

Logo of the Bavarian Insurance Chamber
Saarland insurance company logo
Fire society logo
Logo of the Ostdeutsche Versicherung AG

The Versicherungskammer group is the largest public insurer in Germany. In Bavaria and the Palatinate, the Insurance Chamber is the market leader by its own account; Around a third of all direct insurance customers have policies with the regional brand “Versicherungskammer Bayern”. With the brands “Feuersozietät” and “Saarland Insurance”, the group operates as a regional insurer in Berlin and Brandenburg and in Saarland.

The Bayerische Beamtenkrankenkasse and Union Krankenversicherung are among the leading private health insurers in Germany. According to the Insurance Chamber, the two companies with a total of 3.2 million insured persons (2018) are the third largest private health insurance group in Germany.

distribution

In their respective business areas, the insurance products of the companies belonging to the group are offered through the regional savings banks, their own branches, agencies, cooperating brokers and cooperative banks. The distribution for public institutions takes place nationwide with direct support.

In addition to Bavaria, the Palatinate, Saarland, Berlin and Brandenburg, health, long-term care and travel insurance are offered nationwide through the sales structures of other public insurers.

The insurance products of the brand "BavariaDirekt" are available online nationwide.

Sole proprietorship of the VKB

The Versicherungskammer Bayern insurance company under public law is the parent company of the Versicherungskammer group. The group's scope of consolidation includes the following insurance companies:

  • Bayerische Landesbrandversicherung AG
  • Bayerischer Versicherungsverband Versicherung-AG
  • Bayerische Beamtenkrankenkasse | Bayerische Beamtenkrankenkasse AG
  • Union Health Insurance AG
  • Union Reiseversicherung AG
  • SAARLAND fire insurance AG
  • SAARLAND life insurance AG
  • Bayern-Versicherung Lebensversicherung AG
  • Insurance Chamber of Bavaria Group Reinsurance AG
  • Feuersozietät Berlin Brandenburg Versicherung AG
  • Public life insurance Berlin Brandenburg AG
  • OVAG-Ostdeutsche Versicherung AG
  • Consal Beteiligungsgesellschaft AG

Ratings and awards

The international rating agency Standard & Poor’s has continuously rated the core companies of the Versicherungskammer Group since the initial rating in 2006 with at least "A" (very good) with a stable outlook.

The Bavarian Insurance Chamber has been certified as a family-friendly company by berufundfamilie GmbH , an initiative of the non-profit Hertie Foundation , since 2009 .

The headquarters of the Versicherungskammer in Munich Giesing, which was completed in 2004, was the first existing building in Germany to be awarded the LEED (Leadership in Energy and Environmental Design) sustainability certificate in platinum.

Social Commitment

The Bavarian Insurance Chamber supports voluntary institutions and initiatives in the field of prevention and safety. As a partner of the state fire brigade associations in their business areas, it supports local fire brigades with donations in kind and promotes fire protection education and awareness. As a sponsor of the Bavarian Youth Association of the German Life Saving Society , she supports u. a. their prevention work for children and young people. The Insurance Chamber has been one of the main sponsors of the German Alpine Club since 1997, with a focus on safety on huts and paths; Among other things, it promotes the rehabilitation of hiking trails and via ferratas. Another sponsoring partner is the Sternstunden association .

Foundations

The Insurance Chamber Foundation , established in 2011, promotes voluntary work, particularly in the areas of prevention and security. It organizes several discussion forums every year as well as a volunteer symposium as a platform for networking volunteers. It also awards an annual honorary prize and, together with other partners, praises the “Bavarian Road Safety Prize”.

The Versicherungskammer Kulturstiftung , established in 2014, has its own exhibition and concert program (curated exhibitions with a focus on photography and graphics are held in the art foyer at the Group's Munich headquarters), promotes young musicians, including with special prizes at Jugend musiziert , and awards all two Years the “Bavarian Museum Prize” and, together with the Giesinger Bahnhof cultural center, the “Giesinger Culture Prize” for young artists.

Web links

Commons : Versicherungskammer Bayern  - Collection of pictures, videos and audio files

Individual evidence

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  6. ^ Friedrich H. Hettler: Market position expanded further. Insurance Chamber Bavaria: Successful and well equipped for the future. Bayerische Staatszeitung, April 9, 2019, accessed on March 7, 2020 .
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  15. ↑ MJMontgelas: Memories of Count Maximilian Josepf v. Montgelas on the internal state administration of Bavaria . Oskar Beck, Munich 1908, p. 42 ( [5] ).
  16. ^ Rainer Gömmel: History of the Munich financial center . Ed .: Hans Pohl. R. Oldenbourg Verlag, Munich 2007, ISBN 978-3-486-56821-9 , III The rise to the leading Bavarian financial center (1860s to 1914) - 4. Insurance, p. 131 .
  17. ↑ William L. Evenden: German Fire Insurance signs . Verlag Versicherungswirtschaft, Karlsruhe 1989, ISBN 3-88487-190-0 , 16. Bayerischer Versicherungsverband, p. 160 ( [6] ).
  18. ↑ Fabian Schwartze: The communal compensation for damages - Münsteraner series Volume 118 . Verlag Versicherungswirtschaft, Karlsruhe 2011, ISBN 978-3-89952-591-5 , Insurance carriers under public law - Bavarian Insurance Chamber, p. 26 ( [7] ).
  19. ↑ a b c Simone Ladwig-Winters: 300 years of the Berlin Brandenburg fire society - anniversary brochure . Ed .: Feuersozietät Berlin Brandenburg Versicherung Aktiengesellschaft. Berlin 2018, ISBN 978-3-00-059520-2 , Die Versicherungskammer Bayern, p. 159 f . ( [8] [PDF]).
  20. ^ Hans Peter Ibsen: Current problems of the insurance industry . Ed .: Walter Rohrbeck. Duncker & Humblot, Berlin 1954, Legal Issues of Compulsory Occupational Pensions, p. 33 ( [9] ).
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  23. ↑ Law on the reorganization of the legal relationships of the public insurance companies of the Free State of Bavaria. Art. 2 Other institutions under public law. Bavarian State Chancellery, July 23, 1994, accessed on March 14, 2020 .
  24. ↑ Prize poker around the Insurance Chamber: Free State of Bavaria and savings banks are about to reach an agreement . In: Börsenzeitung . No. 08 (January 12), 1995, p. 5.
  25. ^ Versicherungskammer Bayern: on a growth path for 200 years. Bayerische Gemeindezeitung, April 5, 2011, accessed on March 14, 2020 .
  26. ↑ Bavarian Insurance Chamber expects boost. Sparkasse sales channel generates DM 1 billion in premiums per year in the medium term - jump in earnings . In: Börsenzeitung . No. 126 (July 5), 1997, p. 13.
  27. ^ Consal Beteiligungsgesellschaft AG, Munich. www.northdata.de, accessed on March 14, 2020 .
  28. ↑ 40 years of UKV: From health insurer to health and care partner. www.asscompact.de, March 21, 2013, accessed on March 14, 2020 .
  29. ^ Herbert Fromme: Public establish new travel insurers. Financial Times Deutschland, May 29, 2001, accessed on March 14, 2020 .
  30. ↑ The savings banks are clearly in the lead on the Saar. "S-Finanzgruppe" offers everything to do with money - breaking new ground . In: Saarbrücker Zeitung . No. October 19, 1994.
  31. ↑ Versicherungskammer Bayern wants to grow faster than the industry . In: Handelsblatt . No. 5th June, 2002.
  32. ↑ Norbert Schwaldt: Fire society hangs in the air. Berliner Morgenpost, May 7, 2003, accessed on March 14, 2020 .
  33. ↑ Senate approves sale of the fire society. Press release. The governing mayor - Senate Chancellery, January 6, 2004, accessed on March 14, 2020 .
  34. ↑ Public insurers disentangle in Berlin / Versicherungskammer Bayern takes over fire society and public life completely . In: Börsen-Zeitung . No. 14th September, 2011.
  35. ↑ Inge Schlingensiepen: Insurance Chamber buys OVAG. Financial Times Deutschland, December 29, 2005, accessed March 14, 2020 .
  36. ↑ Inge Schlingensiepen: Insurance Chamber buys. Financial Times Deutschland, June 26, 2008, accessed March 14, 2020 .
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  40. ↑ Jürgen Haux: Cheaper and more customer-friendly . In: Interior report . No. 03, 2017, p. 18.
  41. ↑ Largest life insurance companies in Germany based on gross premiums earned in 2018. Statista (November 2019), accessed on March 21, 2020 .
  42. ↑ a b Well positioned in the market. Sparkassenzeitung, January 7, 2019, accessed on March 21, 2020 .
  43. ↑ From health insurer to network partner. Sparkassenzeitung, March 20, 2019, accessed on March 21, 2020 .
  44. ↑ Supplementary insurance. AOK Bayern, accessed on March 21, 2020 .
  45. ↑ GKV partner. Union Health Insurance, accessed on March 21, 2020 .
  46. ↑ "An institution for the whole empire". Süddeutsche Zeitung, September 2, 2015, accessed on March 21, 2020 .
  47. ↑ Verena Gründel: The campaign from the test tube . (PDF) In: Advertise & Sell . No. 4, 2019, p. 26.
  48. ↑ Alexander Hartberg, Oliver Fischer: Growing together. Sparkassenzeitung, September 14, 2018, accessed on March 28, 2020 .
  49. ↑ Leading private health insurers in Germany by number of insured persons in 2017. Statista (March 2017), accessed on March 28, 2020 .
  50. ↑ 40 years of UKV: From health insurer to health and care partner. AssCompact, March 28, 2019, accessed March 28, 2020 .
  51. ↑ Bavarian Insurance Chamber: First rated by Standard & Poor's with an “A” . (PDF) In: community newspaper . No. 21 December, 2006, p. 6.
  52. ↑ Standard & Poor's confirms rating "A +". Press release. Insurance Chamber, April 15, 2014, accessed on March 28, 2020 .
  53. ↑ Standard & Poor's confirms "A" rating for the Group Insurance Chamber. Press release. Insurance Chamber, May 14, 2019, accessed on March 28, 2020 .
  54. ↑ Horst Peter Wickel: How corporations make their employees happier. Insurance Chamber, February 22, 2014, accessed on March 28, 2020 .
  55. ↑ Karin Kronthaler: In Munich there is the most sustainable existing building in Europe. www.industriebau-online.de, June 27, 2012, accessed on March 28, 2020 .
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  57. ↑ Partner of LfV Bayern. State Fire Brigade Association of Bavaria, accessed on April 7, 2020 .
  58. ↑ Sponsoring: Fire Brigade in Bavaria. Insurance Chamber, accessed April 7, 2020 .
  59. ↑ Taching fire department is happy about a generous donation! www.chiemgau24.de, July 4, 2019, accessed April 7, 2020 .
  60. ↑ Insurance Chamber donates floating vacuum cleaners for the fire brigade. Main-Echo, September 29, 2019, accessed April 7, 2020 .
  61. ^ Andreas von Delhaes-Guenther: Greatest respect for the fire brigade. Bayernkurier, September 19, 2016, accessed on April 7, 2020 .
  62. ↑ Hans Schmelber: The children's fire brigade has established itself. Mittelbayerische, September 9, 2019, accessed April 7, 2020 .
  63. ↑ DLRG prevention project Cool & Safe. DLRG Youth, accessed on April 7, 2020 .
  64. ↑ ResQ Cup. DLRG Youth, accessed on April 7, 2020 .
  65. ↑ Sponsoring: DLRG Youth in Bavaria. Insurance Chamber, accessed April 7, 2020 .
  66. ↑ More safety on Bavaria's waters. www.chiemgau24.de, September 9, 2019, accessed April 7, 2020 .
  67. ↑ Warning signs and bathing rules in Arabic. Mittelbayerische, March 14, 2016, accessed April 7, 2020 .
  68. ↑ Main sponsors - Bavarian Insurance Chamber. German Alpine Club, accessed on April 7, 2020 .
  69. ↑ The Sternstunden partner. Great hours, accessed on April 7, 2020 .
  70. ↑ Insurance Chamber Foundation: Understanding volunteering anew . (PDF) In: community newspaper . No. 17, 2017.
  71. ^ Volunteer Forum. Insurance Chamber Foundation, accessed on March 28, 2020 .
  72. ↑ Volunteer Symposium. Insurance Chamber Foundation, accessed on March 28, 2020 .
  73. ↑ "Courage and Courage": Honorary award for "Knights of Society". OVB Online, May 25, 2019, accessed on March 28, 2020 .
  74. ↑ Jessica Seidel: Road Safety Award - "Change behavior sustainably". www.idowa.de, September 26, 2019, accessed on March 28, 2020 .
  75. ↑ Ellen Draxel: The projectors. Süddeutsche, October 18, 2019, accessed April 7, 2020 .
  76. ^ Art foyer exhibitions (since 2004). Insurance Chamber Cultural Foundation, accessed on April 7, 2020 .
  77. ↑ Bavarian Museum Prize. Bavarian State Office for Monument Preservation, accessed on April 7, 2020 .
  78. ↑ Six voices merge into a total work of art. Mercury, April 20, 2017, accessed April 7, 2020 .
  79. ↑ Giesinger Culture Prize 2018 - 15 Minutes of Fame - Figure & Object Theater. News Munich, June 27, 2018, accessed on April 7, 2020 .

Coordinates: 48 ° 8 ′ 16 "  N , 11 ° 35 ′ 23"  E