Germany’s statutory health insurance system (GKV) is approaching a turning point. Rising expenditures, recurring deficits, and increasing contribution rates are no longer temporary challenges but signs of a structural imbalance. While recent reforms may provide short-term relief, the underlying drivers of cost growth remain largely unresolved.
In this environment, health insurers can no longer rely solely on political reforms. Our latest report explores how they can proactively improve efficiency, strengthen care delivery, and enhance the customer experience through three strategic levers: data-driven care management, personalized customer engagement, and the large-scale adoption of agentic AI.
The analysis finds that these measures could unlock up to €24 billion in additional savings without reducing benefits for insured individuals. At the same time, they would help transform health insurers from passive payers into active health partners, using data and technology to improve outcomes while containing costs.
Download the full report now to explore the key challenges facing the GKV and the actions insurers can take to strengthen their long-term competitiveness and sustainability.