DFV Deutsche Familienversicherung AG
Deutsche Familienversicherung
Deutsche Familienversicherung is a travel insurance for the Germany market with online purchase and 24/7 assistance.
Direct payment
As a rule, the policyholder pays medical bills upfront and is reimbursed 100% of medically necessary costs after submitting original receipts; however, for medically necessary inpatient hospital treatment DFV can issue a cost-coverage guarantee and settle directly with the hospital/other payer if the 24h emergency hotline is contacted beforehand, and repatriation transports are organized with direct billing.
Geographic scope
Worldwide, excluding Germany
Coverage applies to travel outside the Federal Republic of Germany; the insured person's permanent residence/habitual abode does not count as 'abroad'.
Unique selling points
- 100% reimbursement of medically necessary treatment costs abroad with no deductible.
- Full worldwide coverage including the USA, Canada and Mexico with no premium surcharge for these destinations.
- Both the single and family tariffs were rated 'sehr gut' (very good) by Stiftung Warentest.
- 24/7 travel emergency hotline that organizes medically necessary repatriation transport with direct billing.
- Family tariff insures the spouse/partner and children even when they travel separately from the policyholder.
Coverage limits
Overall medical expenses
Covered
DFV reimburses 100% of medically necessary treatment costs incurred abroad (outpatient care, medicines, dressings, remedies, aids, hospital stays) with no deductible; the exact insured sum is stated only in the individual application/policy schedule and no fixed monetary ceiling is disclosed in the product documents.
Emergency medical treatment
Covered
Medically necessary treatment abroad due to sudden illness or accident (including pregnancy complications, premature/miscarriage, medically necessary termination) is covered at 100% as part of the overall medical expenses benefit.
Hospitalization
Covered
Covers accommodation, meals and medically necessary hospital/medical services, plus accommodation and meals for an accompanying person if a minor insured child must be hospitalized; no fixed ceiling stated.
Outpatient treatment
Covered
Covers outpatient doctor visits with free choice of licensed physician, prescribed medicines/dressings, remedies (e.g. physiotherapy) and aids first required on the trip; no fixed ceiling stated.
Emergency dental treatment
Covered
Covers pain-relieving conservative dental treatment and associated simple fillings, repair of existing dentures, and accident-related provisional crowns/removable dentures; new dentures, crowns and inlays are excluded.
Medical transport
Covered
Covers transport to the nearest suitable hospital/doctor for initial treatment, transfer between treatment facilities, and the return transport to the accommodation; no fixed ceiling stated.
Medically necessary repatriation transport
Covered
Covers medically sensible and justifiable repatriation transport to the nearest suitable hospital at the insured's home, by land, air or water as required, optionally with an insured accompanying person and/or medical escort; the 24h Assistance service organizes this with direct billing.
Repatriation of remains / burial abroad
€10,000
If the insured person dies abroad, DFV covers the cost of repatriating the body to the permanent residence up to a maximum of €10,000, or the cost of a local burial up to the amount that repatriation would have cost, also capped at €10,000; costs for a burial plot, headstone or funeral ceremony are excluded.
Search, rescue and recovery costs
Covered
Costs of search, rescue and recovery operations abroad following an accident or emergency are covered; no fixed monetary ceiling is stated in the product documents.
COVID-19 treatment
-€19
Not addressed in the reviewed product documents.
Pre-existing conditions
Excluded
No cover for insured events that already occurred before the policy started, for treatments that were the sole or one of the reasons for taking the trip, or for treatments already known before departure (via prior medical diagnosis) to be necessary during the trip; an unforeseen acute flare-up of a stable chronic condition is not automatically excluded.
Winter sports cover
No limit stated
Not addressed in the reviewed product documents.
Adventure sports cover
No limit stated
Not addressed in the reviewed product documents (only professional athletes injured during competition are explicitly excluded).
Pregnancy complications
Covered
Medically necessary treatment for pregnancy complications, premature birth, miscarriage and medically necessary termination of pregnancy is covered; routine pregnancy check-ups, childbirth and prenatal care are excluded.
Personal liability
No limit stated
Not addressed in the reviewed product documents.
Legal assistance
No limit stated
Not addressed in the reviewed product documents.
24/7 emergency assistance hotline
Covered
DFV provides a round-the-clock hotline for the insured and close relatives, covering specialist/facility referrals, transfer transport organization, repatriation with direct billing, organization of body repatriation/burial abroad, doctor-to-doctor liaison, and care/repatriation of minor children; it applies only in connection with an active DFV-AuslandsreiseSchutz policy and only if agreed in the policy schedule.
Key conditions
Assistance call deadline
No fixed hour deadline is stated, but for cashless inpatient treatment (cost-coverage guarantee) the policyholder must contact DFV's 24h emergency hotline without delay, as far as possible and reasonable.
Unauthorized treatment
If a treatment or the fee charged exceeds the medically necessary extent or is not reasonable for the destination country, DFV may reduce its benefit to an appropriate amount; a direct-settlement/cost-guarantee is only available if the emergency hotline is contacted beforehand.
Purchase while abroad
The policy must be concluded in Germany before crossing the border; if the contract is concluded while the insured is already on a trip abroad, no coverage exists for that trip.
Chronic conditions
Unforeseen acute flare-ups of chronic conditions during the trip are covered, but treatment already known before departure (via prior medical diagnosis) to be necessary during the trip is excluded.
Pregnancy
Routine pregnancy check-ups and childbirth are not covered, but medically necessary treatment for pregnancy complications, premature birth, miscarriage and medically necessary termination of pregnancy is included.
Pre-existing condition exclusions
No cover exists for insured events that already occurred before the policy started, nor for treatment that was the sole reason or one of the reasons for taking the trip.
Coverage duration limit
Coverage applies to the first two months of each trip abroad; it begins with departure from Germany and ends upon re-entry into Germany or after two months, whichever occurs first.
Where to buy
Policy specifics
Medical repatriation / Medical transport
Coverage for medically necessary transport back to Germany when treatment continues or repatriation is medically justified
SourceSource no longer reachableSearch and rescue costs
Coverage for costs of search and rescue operations in cases of accident or emergency during travel
SourceSource no longer reachableOutpatient / ambulatory treatment
Coverage for outpatient doctor visits, treatment, and medications for medical conditions during travel
SourceSource no longer reachableInpatient hospitalization
Coverage for inpatient hospital care and treatment in the event of serious illness or injury during travel abroad
SourceSource no longer reachableCoverage duration per trip
Insurance protection covers the first two months (60 days) of each trip abroad; protection ends upon re-entry to Germany
SourceSource no longer reachableReimbursement model
Policyholder pays all medical bills first, then submits original receipts to DFV for reimbursement of 100% of medically necessary costs (post-payment reimbursement model, not direct settlement with providers)
SourceMust enroll before departure
DFV-AuslandsreiseSchutz must be concluded in Germany before border crossing; no coverage if policy is purchased after entering a foreign country
SourcePre-existing condition exclusion
Medical treatments that were the reason for the trip or must be performed during the trip based on prior medical diagnosis are not covered
SourceWar and travel warning exclusion
No insurance coverage for travel to or through countries where war or civil war exists or where the German Foreign Office (Auswärtiges Amt) has issued travel warnings
SourceFamily tariff eligibility
Family tariff covers the named insured, spouse/registered partner in shared household, and their children (including step-, adoptive, and foster children) regardless of whether these persons travel together
SourceSource no longer reachable24-hour emergency hotline
DFV provides round-the-clock emergency support hotline for policyholders experiencing illness or accidents during travel abroad
SourceSource no longer reachableWorldwide coverage without country restrictions
DFV-AuslandsreiseSchutz provides full coverage globally with no geographic restrictions, including USA, Canada, Mexico (NAFTA states), and all other countries worldwide
SourceSource no longer reachableNo deductible / No co-payment
100% cost coverage with no deductible, self-participation, or co-payment required from the policyholder
SourceSources
- https://www.deutsche-familienversicherung.de/gesundheit-vorsorge/krankenzusatzversicherung/auslandskrankenversicherung/
- https://www.deutsche-familienversicherung.de/versicherungen/auslandskrankenversicherung/Source no longer reachable
- https://www.dfv.ag/fileadmin/pdf/kkh/versicherunsgbedingungen/KV_MP_VB534_1307_Bedingungen_AKV.pdf