Trusted since 1846

The Reassuring Feeling of Having Provided

We help families plan ahead with dignity — covering funeral expenses and supplementing healthcare costs, so your loved ones are protected when it matters most.

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1846

Year Founded

90,000+

Members Served

VVaG

Mutual Association

Regulated Insurance Provider

Member-Owned Mutual

Over 175 Years of Experience

Based in Bottrop, Germany

What We Offer

Insurance Tailored to Life's Certainties

SONO Sterbegeld VVaG provides two core lines of insurance — helping members face life's inevitable challenges with financial security.

Family walking together in a park — peaceful provision

Sterbegeldversicherung

Funeral Expense Insurance

Funeral costs can reach several thousand euros. Our death benefit insurance ensures that your family is not left with unexpected financial burdens at an already difficult time.

Coverage of burial and cremation costs
Guaranteed benefit payout to named beneficiaries
No medical examination required for entry
Fixed monthly contributions — no surprises

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Doctor and patient consultation — healthcare planning

Krankenzusatzversicherung

Supplemental Health Insurance

Germany's statutory health insurance leaves gaps in coverage. Our supplemental plans close those gaps, giving statutory patients an upgrade to a higher standard of care.

Daily hospital benefit (Krankenhaustagegeld)
Income protection during illness
Enhanced dental coverage (ZahnPlus)
Dental implant coverage

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Why SONO

A Mutual Association Built on Trust

As a VVaG (Versicherungsverein auf Gegenseitigkeit — mutual insurance association), SONO is owned by its members, not shareholders. Every decision we make is in the interest of those we serve.

Our history stretches back to 1846, rooted in the community spirit of workers helping workers. Today, over 90,000 members rely on us for reliable, affordable insurance protection.

Our Story

Member-Owned

Profits stay within the membership — no external shareholders.

Regulated

Licensed and supervised under German insurance law.

Affordable

Structured contributions designed to remain accessible for all.

Accessible

Our team in Bottrop is available to answer your questions directly.

Common Questions

Frequently Asked Questions

Sterbegeldversicherung (funeral expense insurance) is a life insurance policy designed specifically to cover the costs of a funeral. When the insured person passes away, the benefit is paid to the named beneficiary to offset burial, cremation, and related administrative costs, relieving surviving family members of unexpected financial strain.

Our funeral expense insurance is open to residents of Germany. Our supplemental health insurance products are available to those insured under Germany's statutory health insurance (gesetzliche Krankenversicherung). Specific eligibility conditions may apply; please contact us for details.

SONO Sterbegeld VVaG is a Versicherungsverein auf Gegenseitigkeit — a mutual insurance association. This means it is neither publicly listed nor privately owned by external investors. The association is owned by and operated for the benefit of its members.

We offer several supplemental health insurance products including: daily income replacement during illness (Krankentagegeld), hospital daily allowance (Krankenhaustagegeld), dental supplemental insurance (ZahnPlus), and implant coverage. Each product is designed to fill specific gaps left by statutory health insurance.

You can reach us by phone at +49 2041 18220, by email at support@sonoag.org, or by visiting our office at Westring 73, 46242 Bottrop, Germany. You may also use the contact form on our website and a member of our team will get back to you promptly.

Take the Next Step

Plan Ahead. Protect What Matters.

Reach out to our team in Bottrop. We are happy to answer your questions and help you find the right cover — with no obligation.