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#2in our rankings

DKV Deutsche Krankenversicherung

4.7/5

Premiums from

EUR 370/mo

Overview

DKV is Germany's largest private health insurer by customer count and part of the Munich Re group. They are known for innovation in digital health services and comprehensive preventive care offerings. Their BestMed tariff line consistently receives top ratings from independent testing agencies.

Key Facts

Founded

1927

Headquarters

Cologne

Customers

4.3 million

Type

Full comprehensive PKV

Pros & Cons

Pros

  • Part of the ERGO/Munich Re group providing exceptional financial backing
  • Strong focus on preventive care and wellness programs
  • Excellent telemedicine services available 24/7
  • Dedicated international health insurance division
  • Comprehensive digital health platform

Cons

  • Premium increases have been above average in recent years
  • Some tariffs have limited dental coverage in early years
  • Fewer physical service centers compared to Allianz

Coverage Highlights

24/7 telemedicine consultations in multiple languages

100% coverage for preventive health checkups

Chief physician treatment in single or double rooms

Comprehensive prescription medication coverage

Alternative medicine coverage including TCM and homeopathy

Generous maternity benefits including midwife services

Tariff Information

DKV's main tariff families are BestMed, KombiMed, and ErgoPro. BestMed is their flagship comprehensive tariff with three tiers. Deductible options range from 300 to 1,500 EUR annually.

Note for Expats

DKV has a dedicated international division with English-speaking advisors experienced in expat health insurance needs. They offer special tariffs for EU citizens and have partnerships with international health networks.

Claims Process

DKV offers digital claims submission through their Meine DKV app. Processing typically takes 3-10 business days. They provide a detailed annual statement and offer direct billing with many hospital networks across Germany.

Best For

Expats who value digital health services and preventive care programs

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