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Facts and figures

ERGO is part of Munich Re, one of the world's leading reinsurers and risk carriers. Within the Group, ERGO is the primary insurance specialist, providing direct cover to private and business clients at home and abroad. In its home market of Germany, ERGO ranks among the leading providers across all segments.

ERGO not only stands for a comprehensive range of products and services, but also for excellent financial stability and security.

Find out more about the key figures, ratings and history as well as the reports of the ERGO Group.

Reporting

Our annual reports

Since 2015, you have been able to find reports on the business performance of ERGO Group AG* in the Annual Report of our parent company Munich Re. Annual Reports from previous years can be ordered.

  1. ERGO Vorsorge Lebensversicherung
  2. ERGO Lebensversicherung
  3. ERGO Versicherung
  4. ERGO Pensionsfonds
  5. ERGO Direkt Versicherung
  6. ERGO Krankenversicherung
  7. DKV Deutsche Krankenversicherung
  8. nexible Versicherung
  9. Victoria Lebensversicherung
  10. Internationale Gesellschaften

Annual report 2024 (German)

1 MB

ERGO Vorsorge Lebensversicherung AG

Download

Annual report 2023 (German)

1 MB

ERGO Vorsorge Lebensversicherung AG

Download

Annual report 2022 (German)

4 MB

ERGO Vorsorge Lebensversicherung AG

Download

Annual report 2021 (German)

4 MB

ERGO Vorsorge Lebensversicherung AG

Download

Annual report 2020 (German)

3 MB

ERGO Vorsorge Lebensversicherung AG

Download

Annual report 2019 (German)

1 MB

ERGO Vorsorge Lebensversicherung AG

Download

The annual reports for the last five financial years are available to download from our website as PDF files. If you require older reports, we will be happy to send you a PDF copy within the statutory retention period. Please send us an e-mail if you need one.

At a glance

Key figures

The ERGO Group's key figures at a glance, by business fields.

  1. Overview
  2. Insurance revenue by business fields

The key figures of the ERGO Group at a glance

  2024 2023

Change on

previous year (%)
Insurance revenue1
(Mio €)		 20.796 20.098 3,5
Insurance service expenses1 
(Mio €)		 18.613 17.845 4,3
Investment result
(Mio €)		 4.018 2.942 36,6
Operating result 
(Mio €)		 1.014 963 5,3
Net result
(Mio €)		 791 721 9,7
Investments2
(Mio €)		 138.134 136.355 1,3
Contractual Service Margin 
(Mio €)		 12.828 12.483 0,4
Registered representatives 8.895 12.483 -28,7
Salaried employees 27.957 26.178 6,8

1 From insurance contracts issued.   
2 Including investments for unit-linked life insurance.
3 At the beginning of 2024, the Digital Ventures business unit was transferred to the Health Germany business unit.

Contractual Service Margin: 
The contractual service margin largely represents the gain from a group of long-term life and health insurance contracts that has not yet been recognised through profit or loss because it relates to services to be provided in the future. This unrealised gain is reported as an insurance liability in the balance sheet.

Excellent financial strength

Ratings

The excellent financial strength of the ERGO Group is also confirmed by the ratings of independent rating agencies.

Company A.M. Best Fitch
 S&P ASSE­KURATA
ERGO Group AG
   AA- A+  
DKV Deutsche Krankenver­sicherung AG
   AA    
ERGO Insurance Pte. Ltd.
 A+      
ERGO Reise­ver­si­che­rung AG
   AA    
ERGO Ver­si­che­rung AG
     AA  
ERGO Vorsorge Lebensver­sicherung AG
   AA   AA
Europæiske Rejsefor­sikring A/S
   A+    
Sopockie Towarzystwo Ubezpieczeń ERGO Hestia SA   AA    

„+“ and „-“ mark the position of the rating in the main rating category.

Important developments

History of the ERGO Group

ERGO is a young insurance group with roots that go back a long way. It was formed in 1997/1998 by the merger of experienced German insurers.

  1. 1997
  2. 1999
  3. 2001
  4. 2009
  5. 2010
  6. 2015
  7. 2016
  8. 2021
  9. 2024

D.A.S., DKV, Hamburg-Mannheimer and Victoria merge to establish the ERGO Insurance Group

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Transparency

EU Disclosure Regulation at ERGO

Transparency regarding the sustainability aspects of our products, the underlying investment decision-making processes and also in the context of investment and insurance advice is of particular concern to us. In accordance with the EU Disclosure Regulation, we have summarised all the necessary information for our customers.

Read more
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