As one in four employees will experience some form of disability during their career, it is essential for insurers to broaden their horizons and integrate technologically advanced third-party providers.
A Market in Transition
The German disability insurance market is undergoing a profound transformation, driven by rising demand, digital inefficiencies, and a growing skills shortage.
Although more than 80 insurers serve this market, it remains largely analog, leading to inefficiencies such as poor data utilization, outdated customer experiences, and a growing backlog of claims processing.
Looking ahead to 2025 and beyond, this creates a challenging yet opportunity-rich environment that offers room for innovation through strategic realignment. This is where third-party providers come in: by outsourcing to companies that are more agile, adaptable, and capable of offering scalable, technologically advanced solutions, insurers can bridge the gaps that they struggle to close on their own.
A Growing but Underserved Market
The German disability insurance market currently includes 17 million active policies, covering a working population of 45 million people. Actuaries estimate that one in four employees will experience some form of disability during their working life. As a result, the market continues to grow, with more than 80,000 new claims submitted each year.
Since these claims are typically paid out over several years, more than 500,000 ongoing benefit cases require management, with around 45,000 annual reassessments. However, workforce shortages and an aging claims management staff have led to significant processing backlogs.
Currently, third-party administrators (TPAs) handle less than 2% of the total claims volume. Meanwhile, 70% of insurance executives view digitalization as a key driver of industry growth—another strong argument for outsourcing to technology-driven claims solutions.
Scaling for Market Leadership
In recent years, Pro Germany has made significant investments in developing a technology-driven, scalable platform to address these industry-specific challenges. The new platform includes a digital First Notification of Loss (FNOL) service, an advanced claims management system, and an innovative operating model that reduces reliance on scarce specialist personnel.
Backed by top-tier industry experts and extensive market activities, Pro Germany is well-positioned to seize these opportunities in 2025 and beyond.
A key focus is increasing monthly claims processing capacity through automation, supported by optimized resource allocation. Additionally, we aim to leverage analytical insights to enhance efficiency in claims assessments.
Internal training and employee development will also play a crucial role for Pro Germany this year, ensuring a strong talent pipeline for the future.
Expanding our data analytics and process automation capabilities remains a strategic priority.
By the end of 2025, Pro Germany aims to generate nearly €5 million in revenue from the disability insurance sector, with a five-year target exceeding €14 million.
A cornerstone of this growth is the evolution of ProConnect—from a claims management tool into a collaborative platform for the entire life insurance market. ProConnect will integrate cutting-edge technologies, predictive data analytics, and intelligent claims assessments, providing insurers with comprehensive support throughout the entire insurance lifecycle.
Beyond a strong foundation in disability insurance, Pro Germany is also well-positioned to expand its role as a service provider in handling complex liability claims—further strengthening its market leadership and innovation capabilities in the evolving insurance industry.
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