What is gGmbH?

The gGmbH is a non-profit company with limited liability under German law. In German this is gemeinnützige Gesellschaft mit beschränkter Haftung – gGmbH for short. Here 'non-profit' (gemeinnützig) means that the purpose of the company is to benefit the common good.

That's unfortunate.

Instead of requiring an insurance selection or defaulting to one specific instance, perhaps they could have a handful of moderate/large instances that the app randomly selects between when a user signs up. That would spread out the signups from people who don't understand the instances.