Insurer profile

DBV Deutsche Beamtenversicherung (branches of AXA Versicherung AG, AXA Lebensversicherung AG and AXA Krankenversicherung AG)

DBV Deutsche Beamtenversicherung (branches of AXA Versicherung AG, AXA Lebensversicherung AG and AXA Krankenversicherung AG) · Germany

Founded 1871Wiesbaden, GermanyLast verified Aug 27, 2026

Overview

DBV Deutsche Beamtenversicherung is a specialist insurance brand of the AXA Group in Germany, dedicated to civil servants (Beamte), public sector employees, teachers, police, soldiers and their families, offering tailored insurance and pension products; it traces its roots to 1871 as a life insurance institution for the army and navy and today operates as branches of AXA's life, non-life and health insurance companies.

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Company details

Parent group: AXA Konzern AG
Regulator: Federal Financial Supervisory Authority (BaFin)
Phone: +49 611 363-0
Email: [email protected]

Official website

Products from DBV Deutsche Beamtenversicherung (branches of AXA Versicherung AG, AXA Lebensversicherung AG and AXA Krankenversicherung AG)

Motor

Motor Third-Party Liability Insurance (mobil komfort / mobil kompakt)

Mandatory motor liability cover with up to €100 million coverage for property and personal damages.

Motor Comprehensive/Partial Casco Insurance

Comprehensive and partial casco cover for own vehicle damage, theft and natural hazards.

Online Motor Insurance (mobil online)

Digitally managed motor insurance tariff with online contract administration via the MyAXA customer portal.

Motorcycle Insurance

Liability and casco insurance for motorcycles.

Light Motorcycle Insurance

Insurance cover for light motorcycles.

Moped/Scooter Insurance

Insurance cover for mopeds and scooters.

Property

BOXflex Home Building Insurance

Building insurance covering damage from fire, water, storm and hail for one/two-family houses.

BOXflex Household Contents Insurance

Household contents insurance covering fire, burglary, vandalism, water and storm damage with optional add-ons.

BOXflex Glass Insurance

Insurance covering breakage of glass in windows, doors and furniture.

Health

Full Private Health Insurance

Full substitutive private health insurance for employees and civil servants including the VITAL tariff.

Health Insurance for Civil Servants (Beihilfe tariffs)

Supplementary private health insurance tariffs designed to complement the state Beihilfe allowance for civil servants.

Health Insurance for Employees

Private health insurance for employees not covered by the civil servant Beihilfe system.

Supplementary Insurance for Statutory Health Insured

Supplementary insurance topping up statutory health insurance benefits.

Outpatient Supplementary Insurance

Supplementary insurance covering outpatient treatments not fully reimbursed by statutory insurance.

Daily Sickness Benefit for Statutorily Insured

Daily allowance insurance compensating income loss during illness for statutorily insured persons.

Hospital Supplementary Insurance

Supplementary insurance for enhanced hospital treatment, e.g. private room or chief physician treatment.

Spa Treatment Allowance

Daily allowance insurance for costs incurred during spa or rehabilitation treatment.

Dental Supplementary Insurance

Supplementary dental insurance covering costs for dental treatment, prosthetics and orthodontics beyond statutory allowances.

Long-Term Care Supplementary Insurance (Pflegevorsorge Vario)

Private long-term care insurance paying an individually chosen monthly benefit for each care grade.

Acute Care Insurance (Pflegevorsorge Akut)

Long-term care insurance covering the acute onset of a care need without waiting periods.

Pflege-Bahr (State-Subsidized Care Insurance)

State-subsidized supplementary long-term care insurance tariff.

Waiting Insurance for Medical Care Benefits (Anwartschaft Heilfürsorge)

Waiting-period insurance securing future private health cover once entitlement to Heilfürsorge ends.

Accident Insurance

Accident insurance providing financial protection against the consequences of accidents.

Accident Insurance with Guaranteed Premium Refund

Accident insurance combined with a guaranteed refund of premiums if no claim occurs.

Liability

BOXflex Private Liability Insurance

Personal liability insurance protecting policyholders and their families against third-party damage claims.

Official/Service Liability Insurance for Civil Servants

Service liability insurance for public sector employees with coverage of up to €60 million.

BOXflex Pet Owner Liability Insurance

Liability insurance for pet or horse owners against third-party damage claims.

BOXflex Builder's Liability Insurance

Liability insurance for property owners during construction works.

BOXflex House and Land Owner Liability Insurance

Liability insurance for owners of houses and land against third-party claims.

BOXflex Water Damage Liability Insurance

Liability insurance covering damages caused to bodies of water, e.g. from heating oil tanks.

Legal Expenses Insurance

Legal protection insurance for the whole family providing competent and fast support in legal disputes.

Travel

Travel Health Insurance

Insurance providing medical cover abroad, including for medical treatment while traveling.

Life

Occupational Incapacity Insurance for Civil Servants

Income protection insurance specifically tailored for civil servants who become unable to perform their official duties.

Career Starter Policy for Probationary/Revocable Civil Servants

Combined protection and retirement savings policy for civil servants on probation or revocable appointment.

Occupational Disability Insurance

Disability insurance replacing income if the insured can no longer work in their profession, including a service-incapacity clause.

Starter Disability Insurance with Retirement Savings

Combined occupational disability protection and pension savings product for career starters.

Term Life Insurance

Term life insurance providing financial protection for dependents in case of death.

Existence Protection Insurance

Insurance paying a lump sum on the occurrence of severe illness or loss of basic abilities.

Capital-Forming Life Insurance (VL)

Life insurance product used for employer-sponsored capital-forming benefits (Vermögenswirksame Leistungen).

Financial

Rürup Pension (Basic Pension)

State-certified basic retirement pension with tax advantages, particularly attractive for civil servants.

Relax Pension

Flexible private retirement savings product with modular investment options.

JustInvestÖD Fund-Linked Pension

Fund-linked pension product for public sector employees investing in a curated selection of sustainable investment funds.

Portfolio Plus Policy

Unit-linked investment and retirement savings policy.

Regulatory updates

DBV operates as branches of AXA Versicherung AG, AXA Lebensversicherung AG and AXA Krankenversicherung AG, all supervised by BaFin under the German Insurance Supervision Act (VAG); complaints can be directed to BaFin or the Versicherungsombudsmann e.V. In 2024 DBV introduced new supplementary tariffs for civil servants' healthcare allowance (Beihilfeergänzungstarife) to expand its healthcare product range for public sector employees.