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ERGO publishes fourth Customer Report



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    What insurance cover does a young family require? Which kinds of insurance can they probably do without? These and other questions are answered by experts in the fourth issue of the ERGO Customer Report.

    Anyone starting a family needs security, and insurance can provide just that. For this reason, the current Customer Report focuses on families and their respective lifestyles.

    The ERGO Customer Report 2015 also provides an insight into the typical working day of employees. It explains how ERGO understands and implements their brand promise “To insure is to understand”. The support provided to insured persons in case of a claim is illustrated with infographics and figures. Furthermore, it presents mobile and new services for policyholders which are part of the drive for digitalisation.

    Key Performance Indicators are also included in the Customer Report, which make it possible for ERGO customers to gauge the performance and progress of ERGO in contact with the customers, based on various figures.

    The ERGO Customer Report is published annually and can be accessed online at The report is only available in German. A printed copy can be requested free of charge from this page.

    The English version will be available shortly in the section Annual Reports

    Key figures (IFRS) for the ERGO Group in the 2014 financial year

    2014 2013 Change previous year (%)
    Total premium income € million 18.187 18.132 0.3
    Life (Germany)1) € million 4.362 4.537 -3.9
    Health1) € million 5.262 5.295 -0.6
    Property-casualty (Germany)1) € million 3.233 3.267 -1.0
    Direct insurance1) € million 1.117 1.156 -3.4
    Travel insurance1) € million 444 455 -2.5
    International1) € million 4.213 3.877 8.7
    Gross premiums written € million 16.866 16.77 0.6
    Expenses for claims and benefits (gross) € million 17.852 16.999 5.0
    Investment result € million 5.316 4.56 16.6
    Operating result € million 666 732 -9.0
    Consolidated result € million 620 436 42.2
    Investment € million 127.898 199.741 6.8
    Technical provisions (net) € million 131.533 124.184 5.9
    Equity € million 5.688 4.622 23.1
    Full-time representatives 15.321 15.983 -4.1
    Salaried employees 28.019 29.595 -5.3
    1) Fully consolidated Group values
    About the ERGO Insurance Group  
    ERGO is one of the major insurance groups in Germany and Europe. Worldwide, the Group is represented in over 30 countries and concentrates on Europe and Asia. ERGO offers a comprehensive spectrum of insurance, provision and services. In its home market of Germany, ERGO ranks among the leading providers across all segments. About 43,000 people work for the Group, either as salaried employees or as full-time self-employed sales representatives. In 2014, ERGO recorded a premium income of 18 billion euros and rendered benefits to customers at almost the same level. ERGO is part of Munich Re, one of the world's leading reinsurers and risk carriers. More at
    This media information contains forward-looking statements that are based on current assumptions and forecasts of the management of Munich Re. Known and unknown risks, uncertainties and other factors could lead to material differences between the forward-looking statements given here and the actual development, in particular the results, financial situation and performance of our Company. The Company assumes no liability to update these forward-looking statements or to conform them to future events or developments.

    Further Information