Brokers and insurers lure customers into purchasing health insurance policies through various strategies.

In a recent survey of over 1,000 German citizens, conducted in June 2021, a significant shift in insurance priorities has been observed. The survey indicates a notable increase in the attention of German citizens towards care in case of illness or nursing care, with 39% of respondents paying more or significantly more attention to supplementary insurance than before the COVID-19 pandemic.

The results of the survey also reveal that many consumers are dissatisfied with their current insurance situation for supplementary health insurance. A substantial 61% of respondents rated their current insurance situation for hospital, private nursing care, dental, and international health insurance supplements as partially inadequate or poor.

In response to this growing demand, insurers are urged to address potential gaps in coverage and offer simple, targeted sales paths to potential clients. Insurers are encouraged to engage in individual dialogue with their customers to identify and close these potential gaps.

The potential for insurers is immense, especially if they adopt a multi-channel approach with simple, targeted sales paths. A confirmation email has been sent to activate a subscription for those who have shown interest, with users advised to check their spam folder if not receiving the email.

The insurance company most expected by customers with the largest purchases of supplementary insurance in Germany is Debeka. As the clear market leader in private health insurance, Debeka boasts over 8.7 million fully insured customers and a 16.24% market share. This strong position allows Debeka to benefit from scale effects and efficient administration costs.

Consumers consider international health protection and stationary and dental supplements particularly important. More than 30% of German citizens who have already considered a supplementary health insurance are planning to buy one but haven't yet.

As the need for supplementary health insurance continues to grow, insurers are urged to seize this opportunity and provide their customers with the coverage they need. By offering targeted, simple sales paths and engaging in individual dialogue with their customers, insurers can ensure they are meeting the needs of their customers and capitalising on this growing market.

Brokers and insurers lure customers into purchasing health insurance policies through various strategies.