Fair Claims Settlement: Top Supplementary Insurance Providers in 2026

A recent study by ServiceValue, commissioned by Focus Money magazine, reveals that 15 providers of supplementary insurance are delivering “particularly good” claims settlement experiences to their customers as of March 2026. This assessment is based on an analysis of 61,782 customer opinions across 19 different insurance categories.

Study Methodology

ServiceValue has been examining the claims and benefits settlement practices of insurance companies from a customer perspective for nine years. The current edition, based on a survey conducted in November 2025, evaluated performance across 19 hedging areas. Participants were invited to evaluate their experiences with a claim or service claim filed within the past 36 months. The survey panel was designed to be demographically representative of the population.

Customers rated providers on a five-point scale, with 1 representing “excellent” and 5 representing “poor.” Companies achieving an above-average value received a “good” rating, while those exceeding the average of “good” companies were designated as “very good.”

It’s essential to note that the study only included companies meeting a minimum sample size, varying by insurance line. The research focused on a general assessment of regulatory practice and did not collect specific data on reaction speed, payout amounts, or the scope of regulation.

Top Performing Supplementary Insurance Providers

The following providers achieved a “very good” rating in the health supplement sector, with average scores as indicated:

• R+V Krankenversicherung AG (2.51)
• Ergo Health Insurance AG (including DKV Deutsche Krankenversicherung AG. 2.52)
• Barmenia Health Insurance AG (2.53)
• Provinzial Health Insurance Hannover AG (2.54)
• Inter Health Insurance AG (2.54)
• BA the Bayerische Allgemeine Versicherung AG (2.55)
• LVM Health Insurance AG (2.56)
• State health aid VVaG (LKH; 2.57)
• Huk-Coburg Health Insurance AG (2.57)
• DEVK Krankenversicherungs-AG (2.57)
• Arag Health Insurance AG (2.58)
• Allianz Private Health Insurance AG (2.58)
• Munich Health Insurance Association aG (2.58)
• Debeka Health Insurance Association aG (2.59)
• Signal Iduna Krankenversicherung aG (2.59)

Barmenia, Bayerische, Debeka, LKH, and Signal Iduna showed improvement and were newly promoted to the top group. Allianz also regained a position in this tier.

Good Ratings in Supplementary Health Insurance

Envivas Health Insurance AG, Janitos Insurance AG, and Vigo health insurance VVaG were removed from the “very good” category after only one year. These providers, along with Generali Germany Health Insurance AG (2.61), Universa Krankenversicherung aG (2.65), Concordia Health Insurance Ltd (2.65), Süddeutsche Krankenversicherung aG (SDK; 2.67), and Bavarian Insurance Chamber (VKB; 2.68) achieved a “good” rating.

Source: ServiceValue, experten.de, dasinvestment.com