The Open Insurance Initiative in Germany

Free Insurance Data Initiative

The addition to existing "data exchange formats" such as BiPRO and GDV

We create the basis for the emergence of digital ecosystems - in the spirit of "Open Insurance".

The aim of FRIDA e.V. is to develop standardized interfaces and to offer them directly not only to insurers, but also to third-party providers and customers - similar to what is already possible in open banking or in the context of PSD2.
Strong partners from the insurance sector, the open source approach and last but not least the non-profit idea of the FRIDA initiative should ensure that the API solutions establish themselves as an industry-wide standard. This makes digital ecosystems scalable and efficient, including insurance-specific data and services.

FRIDA promotes and establishes open standards in digital insurance and related business areas.

FRIDA relies on structured cooperation between insurers and policyholders as well as other players in digital ecosystems. FRIDA enables easy and secure access to insurance data - where it makes sense and is advantageous for the insured.

FRIDA supports insurers and their partners in the digitization process through customer-centric use cases and motivates all market participants to cooperate transparently.

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Insights on the FRIDA use cases and the Open Insurance positioning strategies

How are open standards established in digital insurance? Pensions, health care, car claims, cyber and other exciting application areas are highlighted.

FIDA as a catalyst for data-driven retirement provision models

What positioning strategies are there for insurance companies and how can the business model be further developed through FIDA / Open Finance?

    FIDA (Framework for Financial Data Access): the first draft EU regulation

    Industry experts examine the EU regulation in detail. Insights and a legal assessment are also provided and the effects on the insurance industry are analyzed!


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      We establish open standards in digital insurance and related business areas


      The FRIDA use case focuses on the provision of data for transparency in retirement provision, e.g. using a pension cockpit.


      The FRIDA use case focuses on use cases in the healthcare sector, e.g. integrated contract and benefit management.


      The FRIDA use case focuses on the exchange of insurance data in the event of a claim, e.g. via wallet.


      The FRIDA use case focuses on use cases in the context of cyber insurance, e.g. the standardization of key risk indicators and data exchange between third-party providers and insurers.

      As FRIDA e.V. we rely on personal "initiative": Would you like to contribute your passion and skills and actively help shape Open Insurance?

      Then you are exactly right here!


      The idea of enabling new, end-customer-centric use cases by opening data and breaking through industry boundaries unites us!

      Julius Kretz

      FRIDA co-initiator

      “It's time for real customer centricity and the promotion of innovation. We need to think beyond the insurance industry.”

      Sebastian Langrehr

      FRIDA co-initiator

      “FRIDA has clear strategic guidelines: we stand for neutrality, open source and non-profit. We develop standards with a use case orientation.”

      Slobodan Pantelic

      FRIDA co-initiator

      "With FRIDA, we are bringing all the relevant players involved in Open Insurance to one table and are thus forming a market-driven framework for exchange and standardization."

      Der FRIDA Beirat

      Florian Toussaint

      FRIDA Beiratsvorsitzender
      Co-Founder global CT


      Prof. Goethe Universität

      Wolfgang Hanssmann

      Senior Advisor HDI / GGW


      Geschäftsführerin InsurLab


      Chief Sales Officer
      Smart InsurTech AG


      Stv. Vorsitzender


      mexxon Gruppe

      White paper on use cases, our FIDA study and the FIDA EU regulation

      Available for free!

      Become part of the community

      We create new interfaces and processes using existing standards and taking IT security and data protection into account

      FRIDA derives use cases from the perspective of end customers. In doing so, we ask which insurance data and processes are relevant for end customers.

      FRIDA is aimed at insurers (goal of uniform and structured data exchange) and third-party providers (goal of data interoperability for innovative use cases)

      Agile teams await you at FRIDA, who drive topics related to open insurance and open finance with a high degree of personal responsibility. The spectrum of tasks ranges from classic PMO and creative use case development to technical deep dives and the development of APIs. As a non-profit organization, we depend on the initiative of each individual!

      Active member of the association

      Active design, e.g. development of use cases, professional or technical and thus direct influence on the FRIDA roadmap. You can participate in weeklys and use case working groups and exercise your voting rights in the association.

      Supporting member of the association

      Accompaniment from a bird's eye view - you will be regularly provided with information. You can exercise your right to vote at general meetings.

      Cooperation partner

      Individual agreement with FRIDA.

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