Insurer profile
DKV Deutsche Krankenversicherung AG
DKV Deutsche Krankenversicherung AG is a German private health insurer headquartered in Cologne, founded in 1927 and one of the largest private health insurers in Germany and Europe, offering full private health cover, supplementary health insurance, long-term care, travel health, daily sickness allowance and group/company health insurance products; it has been part of the ERGO Group since 1998.
Source- Legal entity
- DKV Deutsche Krankenversicherung AG
- Headquarters
- Cologne, Germany
- Parent group
- ERGO Group AG (Munich Re)
- Regulator
- Federal Financial Supervisory Authority (BaFin) – Insurance Supervision Sector
- Phone
- +49 800 3746444
- service@dkv.com
- Founded
- 1927
- Last verified
- Aug 27, 2026
Products from DKV Deutsche Krankenversicherung AG
health
Private Comprehensive Health Insurance
Full private health insurance for employees, self-employed, civil servants and freelancers with individually selectable tariffs.
health
Civil Servant Supplementary Cover (Beihilfe)
Complementary private health tariffs for German civil servants (Beamte) covering the portion of costs not paid by state Beihilfe.
health
Hospital Supplementary Insurance
Supplementary insurance for statutorily insured persons improving hospital comfort, e.g. chief physician treatment and single/double room.
health
Dental Supplementary Insurance (KombiMed Zahn)
Dental supplementary insurance reimbursing up to 100% of costs for dental treatment, dentures and orthodontics not covered by statutory insurance.
health
Outpatient Supplementary Insurance
Supplementary outpatient cover including reimbursement for alternative medicine, extended check-ups, medication and glasses/contact lenses.
health
Long-Term Care Supplementary Insurance
Private long-term care supplementary insurance providing daily care allowance or monthly care payments to close gaps left by statutory long-term care insurance.
health
Daily Sickness Allowance Insurance
Daily cash benefit insurance protecting income during prolonged incapacity to work, paid tax-free for every day of incapacity.
travel
Single-Trip Travel Health Insurance
Worldwide travel medical insurance for a single trip closing gaps in statutory health cover abroad.
travel
Long-Term Travel Health Insurance
Long-term travel health insurance for extended stays abroad, e.g. for students, expatriates or long trips.
travel
Trip Cancellation Insurance
Travel insurance covering costs if a trip must be cancelled before departure.
health
Company Health Insurance / Group Insurance
Employer-funded or employee-funded supplementary group health insurance for employees, covering all statutorily insured full- or part-time staff.
other
Incoming Insurance
Special travel health insurance solutions for foreign visitors staying in Germany.
financial
Occupational Disability Insurance
Income-protection cover (distributed via ERGO/DANV) paying a pension if the policyholder becomes unable to work in their profession due to illness or accident.
liability
Legal Expenses Insurance
Legal protection insurance offered through DKV partner agencies covering legal costs in various areas of life.
life
Term Life Insurance
Term life cover offered via ERGO through DKV partner agencies, combinable with disability and pension products.
Regulatory updates
DKV is supervised by BaFin (registration number 4044) and is subject to ongoing solvency oversight; its 2025 Solvency and Financial Condition Report (SFCR) confirms supervision by BaFin, Bonn, with key governance functions (risk management, compliance, internal audit, actuarial function) each assigned to a management board member. DKV also participates in the industry insolvency protection fund (Medicator AG) and the Ombudsman scheme for private health and long-term care insurance for dispute resolution.
Reputation and reviews
Offer pages
Travel insurance
DKV is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Last verified Aug 28, 2026