Public limited company (AG)

ARAG private health insurance. A health insurer within a family-owned group, with an app and a hotline in English.

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ARAG logo

ARAG Krankenversicherungs-AG belongs to the ARAG Group, which describes itself as Germany's largest family-owned insurer. Its app and its customer hotline work in English; for applications and documents in German, we stay your English-speaking contact.

Legal form
Public limited company (AG)
Group
ARAG SE (94%), within the family-owned ARAG Group
Our favourites
  • Entry K0
  • Medium ME0
  • Max MB0

Contact

App
App Store (opens in a new tab)Google Play (opens in a new tab)
Online portal
arag.de (opens in a new tab)
Contract and premium payments
+49 89 4124-8200
Cover and claims
+49 89 4124-8300
English support
English spoken
Email
service@arag.de

Service in English

App
English
Application
German only
Documents
German only
Hotline
English

For expats

Is ARAG a good choice for expats?

ARAG's health insurer grew from 107,453 to 124,401 people in full cover in 2025. For expats, its app and its customer hotline work in English, and for applications and letters in German, we stay your English-speaking contact. Our three ARAG picks are K0, ME0 and MB0, one each for Entry, Medium and Max cover. In a free call, we compare ARAG with the rest of the market.

Our favourites

Which ARAG tariffs do we recommend?

  1. Entry

    K0

    No deductible, a single or two-bed room and treatment by the senior consultant in hospital, and dental treatment at 100% with dentures and orthodontics at 80%.

  2. Medium

    ME0

    Everything in K0, plus specialists without a GP's referral, higher limits for glasses and alternative practitioners, eye laser surgery, and spa and rehabilitation treatment.

  3. Max

    MB0

    Everything in ME0, plus dentures and orthodontics at 90%, doctors' fees above the standard maximum where you have agreed them, and higher limits for glasses, eye laser surgery and alternative practitioners.

In English

How well does ARAG work in English?

The ARAG app works in English, and the customer hotline speaks English on the normal lines: 089 4124-8200 for your contract and premium payments, 089 4124-8300 for cover and claims. Applications, contracts and letters are in German. That is where we come in: we stay your English-speaking contact, explain every letter and help with forms for as long as you are insured.

Service in English

App
English
Application
German only
Documents
German only
Hotline
English

Ownership

Who owns ARAG Krankenversicherung?

ARAG Krankenversicherungs-AG is a public limited company. ARAG SE holds 94% of its shares, and ARAG Holding SE controls the group above it. The ARAG Group is family-owned and describes itself as the largest family-owned insurer in Germany, so the health insurer is part of a family-owned group. It is not a mutual insurer. Whatever the legal form, the law sets a minimum share of the surplus for policyholders.

History

The story of ARAG private health insurance

The ARAG Group was founded in Düsseldorf in 1935 by the publisher and lawyer Heinrich Faßbender as a legal expenses insurer. It entered private health insurance in 1984 by taking over the Bavaria Krankenversicherung in Munich, which it renamed ARAG Krankenversicherung in 1990. The group converted into ARAG Holding SE and ARAG SE in 2011, and in 2017 it sold its life insurance business to concentrate on property and casualty insurance and health. In 2025 its health insurer grew from 107,453 to 124,401 people with full cover. By its own figures, the whole group has around 6,500 employees (2026) and is Germany's largest family-owned insurer.

FAQ

Questions about ARAG

Ask us anything
Does ARAG have an English hotline?
Yes. Its customer hotline speaks English on the normal lines: call 089 4124-8200 for your contract and premium payments or 089 4124-8300 for cover and claims.
Who owns ARAG?
ARAG Krankenversicherungs-AG belongs to the ARAG Group, which is family-owned. ARAG SE holds 94% of the health insurer's shares.
What can I do if my ARAG premium goes up?
You can switch to another ARAG tariff with comparable cover and keep your savings for old age, which German law guarantees. For benefits that the new tariff adds, a surcharge, a waiting period or an exclusion may apply. We check your options with you before you switch.

Is ARAG right for you?

Jonas MarxFounder, licensed insurance broker

In a free 30-minute call on Zoom, we compare ARAG with the rest of the market for your situation.

    Compare ARAG with the market

    Prefer to write first? Email us at info@thegoodbroker.de.

    Sources and status ·
    1. [1]ARAG, contact page and customer service health insurance (numbers)
    2. [2]ARAG, imprint (legal name, register, email)
    3. [3]ARAG Krankenversicherungs-AG, annual report 2025 (124,401 people with full cover, 107,453 in 2024, ownership)
    4. [4]ARAG Group, history (1935, Bavaria 1984, renamed 1990, SE 2011, life business sold 2017)
    5. [5]ARAG, company page ("largest family-owned insurer", around 6,500 employees)
    6. [6]Tariffs K0, ME0 and MB0: TheGoodBroker comparison system, 13 October 2026; ARAG, conditions booklet "Bedingungsheft Unisex", as of April 2026 (K pp. 30 to 43, ME pp. 95 to 102, MB pp. 102 to 109)
    7. [7]§§ 150 and 151 VAG, § 22 KVAV (minimum share of the surplus); § 204 VVG (tariff switch with the same insurer)

    English-speaking hotline: TheGoodBroker's own experience with ARAG customer service (ARAG publishes no separate English service)