Deutsche Familienversicherung

What Deutsche Familienversicherung does

Deutsche Familienversicherung AG ("DFV") is an independent German insurance company headquartered in Frankfurt am Main, founded in 2007 and supervised by BaFin. The company specializes in private supplementary health insurance and complementary property and pet insurance products, targeting German residents with statutory health insurance who need additional coverage for dental, hospital, ambulatory, travel, nursing care, and accident risks, as well as dog owners and homeowners/renters. Its product portfolio spans 14+ SKUs organized into three pillars: Health & Prevention (DFV-ZahnSchutz, DFV-KlinikSchutz, DFV-KrankenGeld, DFV-AuslandsreiseSchutz, DFV-AmbulantSchutz, DFV-DeutschlandPflege, DFV-UnfallSchutz, DFV-Snap), Home & Liability (DFV-KombiSchutz, DFV-HausratSchutz, DFV-HaftpflichtSchutz, DFV-VerkehrsrechtsSchutz), and Pet (DFV-TierkrankenSchutz, DFV-HundehaftpflichtSchutz). The flagship DFV-ZahnSchutz Exklusiv 100 has been a Stiftung Warentest test winner for ten consecutive years.

DFV operates a digital-first insurance platform built around three customer touchpoints: a public website enabling two-minute online quote and purchase with only age as input, the DFV App (recognized as Germany's best insurance app) for policy and claims management with photo-based document upload, and a BiPRO 430/430.4-compliant broker portal that automates document and contract exchange with insurance intermediaries. The DFV Snap product, launched in 2022, introduced a 24-hour on-demand accident insurance model activated entirely through the smartphone app without paperwork, waiting periods, or subscription commitment, representing a distinctive pay-per-use construct in the German market.

The business model is straightforward insurance economics: recurring monthly or annual premiums from individual policyholders across the supplementary health, property/liability, and pet product lines, distributed through direct online channels and a broker network, with a referral program (up to EUR 50 per referred friend) and extensive SEO-driven editorial content (Ratgeber) supporting acquisition. Revenue figure is not disclosed in available materials; provided financial data appears corrupted and unusable. The company is currently privately held, having previously been listed on the stock exchange. DFV has a wholly owned shared-services subsidiary, DFVS Deutsche Familienversicherung Servicegesellschaft mbH, and is led by founder/CEO Dr. Stefan M. Knoll alongside a management board of three further members and a supervisory board chaired by Carola Theresia Paschola.

Name

Deutsche Familienversicherung

Legal name

DFV Deutsche Familienversicherung AG

Website

https://deutsche-familienversicherung.de

Company type

Private

Founded year

2007

Operating status

Operating

Headcount range

51–100 employees

Short description

Deutsche Familienversicherung is a Frankfurt-based BaFin-supervised insurer selling digital supplementary health, property, liability, and pet insurance products directly to German consumers and through a BiPRO-integrated broker network, with the DFV App and DFV Snap on-demand product as core digital touchpoints.

Ownership category

akta.pro rank

Product category

Personal Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114), Direct Property and Casualty Insurance Carriers (524126)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Personal Accident Insurance (Injury, Disability & Income Benefit) (FSAJAJAD), Travel Medical Insurance (Individual) (FSAIAEAI), Individual/Retail Critical Illness & Hospital Indemnity (FSAIAKAE)

Keywords

• Supplementary health insurance
• Private liability insurance
• Pet health insurance
• On-demand accident insurance
• Dental insurance products

Headquarters

HQ city

Frankfurt

HQ country

Germany

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Insurance Premiums: DFV generates revenue through recurring insurance premiums from supplementary health insurance (dental, hospital, travel, ambulatory), pet insurance (dog health and liability), and property insurance (homeowners, liability, legal protection, combination packages). Premiums are paid monthly or annually by policyholders.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Deutsche Familienversicherung sells a portfolio of private insurance products to German households, including supplementary health insurance (dental, hospital, sickness benefit, foreign travel, ambulatory, nursing care, accident), property and liability insurance (household contents, private liability, traffic legal protection, combined package), and pet insurance (dog health, dog liability). It also offers DFV Snap, an on-demand 24-hour accident insurance activated via app, and distributes everything digitally through its website, mobile apps, and broker portal with BiPRO integration.

Product overview

Deutsche Familienversicherung is an independent German insurance company headquartered in Frankfurt am Main specializing in private supplementary and property insurance products. The company operates a platform-plus-digital-services architecture, offering a portfolio of core insurance products organized across three main categories: Health & Prevention (dental, hospital, daily sickness benefit, foreign travel health, ambulatory, nursing care, accident), Home & Liability (combined packages, private liability, household contents, traffic legal protection), and Pet insurance (dog health, dog liability). The portfolio includes DFV-ZahnSchutz (10-time Stiftung Warentest winner), DFV-KlinikSchutz, DFV-KrankenGeld, DFV-AuslandsreiseSchutz, DFV-AmbulantSchutz, DFV-DeutschlandPflege, DFV-UnfallSchutz, DFV-Snap (on-demand), DFV-HausratSchutz, DFV-HaftpflichtSchutz, DFV-VerkehrsrechtsSchutz, DFV-KombiSchutz, DFV-TierkrankenSchutz, and DFV-HundehaftpflichtSchutz. Digital services include the DFV App, Customer Portal, and Broker Portal. The company emphasizes simple online purchase processes and fast claim processing through digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• DFV-ZahnSchutz: Dental supplementary insurance - multiple award-winning product line including DFV-ZahnSchutz Exklusiv 100 and DFV-ZahnSchutz Exklusiv
• DFV-KlinikSchutz
• DFV-KrankenGeld
• DFV-AmbulantSchutz
• DFV-AuslandsreiseSchutz
• DFV-DeutschlandPflege
• DFV-UnfallSchutz
• DFV-KombiSchutz
• DFV-HausratSchutz
• DFV-HaftpflichtSchutz
• DFV-VerkehrsrechtsSchutz
• DFV-TierkrankenSchutz
• DFV-HundehaftpflichtSchutz
• DFV Snap

Products and services

• DFV-ZahnSchutz (Dental Supplementary Insurance) Supplementary dental insurance covering dental treatments, prostheses, implants, orthodontics, and prophylaxis up to EUR 200; awarded Stiftung Warentest 'SEHR GUT' (0.5) for 10 consecutive years. Targeted at German residents seeking to supplement statutory dental coverage.
• DFV-KlinikSchutz (Hospital Supplementary Insurance) Hospital add-on insurance providing private patient-level coverage including access to chief physicians, single or double room, free choice of doctor and hospital, and bundled foreign travel health insurance with no waiting periods.
• DFV-KrankenGeld (Daily Sickness Benefit Insurance) Insurance providing financial security during extended illness, with no waiting period for accidents and benefits available on weekends and public holidays.
• DFV-AuslandsreiseSchutz (Foreign Travel Health Insurance) Worldwide travel health insurance with 24-hour travel emergency hotline, outpatient and inpatient treatment coverage, and medical repatriation; awarded Stiftung Warentest 'SEHR GUT' (0.9) for both single and family tariffs.
• DFV-AmbulantSchutz (Ambulatory Supplementary Insurance) Outpatient add-on insurance covering medications, preventive examinations, financial support during illness, and protective vaccinations.
• DFV-DeutschlandPflege (Nursing Care Supplementary Insurance) Private nursing care insurance providing comprehensive protection for care at home and in nursing homes worldwide, with premium exemption from care level 5 and 24-hour assistance services.
• DFV-UnfallSchutz (Accident Insurance) Accident insurance providing high disability benefits, immediate benefits up to EUR 20,000, optional accident pension, hospital daily allowance, rooming-in, and worldwide protection.
• DFV-Snap (24-Hour On-Demand Accident Insurance) Germany's first on-demand accident insurance allowing 24-hour coverage activation via app with no paperwork, no waiting period, and no subscription; coverage automatically expires after 24 hours.
• DFV-HausratSchutz (Household Contents Insurance) Insurance protecting personal belongings with coverage for fire, burglary, pipe damage, replacement at new value, and coverage of consequential damages.
• DFV-HaftpflichtSchutz (Private Liability Insurance) Private liability insurance with coverage sum up to EUR 100 million, worldwide protection, covering personal injury, property damage, and financial loss.
• DFV-VerkehrsrechtsSchutz (Traffic Legal Protection) Legal protection insurance covering lawyer and court costs for traffic-related legal matters, with family coverage and coverage for all vehicles in the household including bicycles and e-scooters.
• DFV-KombiSchutz (Combined Insurance Package) Combined insurance package ('Alles-Drin-Paket') bundling accident, household contents including glass, liability, traffic legal protection, and optional bicycle theft coverage into a single policy.
• DFV-TierkrankenSchutz (Dog Health Insurance) Comprehensive dog health insurance offering up to 100% cost reimbursement for illness and surgeries, including dental treatments, alternative healing methods, preventive and follow-up care; premiums remain constant for the dog's lifetime.
• DFV-HundehaftpflichtSchutz (Dog Liability Insurance) Dog owner liability insurance with EUR 20 million coverage, covering all dog breeds with no leash or muzzle requirements, and protection against personal injury, property damage, and financial loss claims.
• DFV App Mobile application for policyholders to submit invoices via photo, manage contracts and personal data, discover products, and access magazine articles; recognized as Germany's best insurance app.
• DFV Customer Portal Online customer portal for contract documentation, address and bank data changes, online contract management, online damage notification and document upload, and online mailbox for correspondence.
• DFV Broker Portal Digital platform for insurance brokers and intermediaries providing personalized sales funnels, product documentation, and BiPRO 430/430.4 standard interfaces for automated data exchange with broker management systems.

Quantifiable outcome

• DFV-ZahnSchutz Exklusiv 100 achieved Stiftung Warentest 'SEHR GUT' (0.5) - Bestnote - for 10 consecutive years
• +3 more outcomes

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

AI capability1 record

Feature4 records

Partnerships

One partnership is on record.

• BiPRO (Brancheninstitut für Prozessoptimierung)coreTechnology or IntegrationDFV is a member of BiPRO, the industry association for process optimization in insurance and financial services. BiPRO develops standards for cross-company business processes, including the BiPRO 430 norm for broker post and document exchange. DFV provides BiPRO-compliant interfaces in its broker portal, enabling automated data exchange with broker management systems.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Broad incumbents

• Allianz: Largest German and global insurer offering property-casualty, life/health and asset management products, including supplementary health lines that directly overlap with DFV's portfolio. Serves as the dominant benchmark for the German insurance market and a major competitive threat to DFV's positioning.
• R+V Versicherung: Wiesbaden-based German cooperative insurer (DZ Bank Group) offering health, property, casualty, and life products. Overlaps with DFV on health, property and accident products and represents another major incumbent competitor in the German retail insurance market.
• Württembergische Versicherung: Stuttgart-based established German insurer (W&W Group) offering property, liability, accident, and life products through agent and broker channels. Comparable in product breadth and German-market focus, with traditional distribution versus DFV's digital model.

Direct peers

• ERGO Group (Munich Re): Major German primary insurance arm of Munich Re, offering health, property, casualty, and legal protection insurance to German consumers. ERGO directly competes with DFV in supplementary health, household contents, liability and accident lines, and is also pursuing digital distribution via its own advisor and direct channels.
• HUK-COBURG: Large German mutual insurer with significant share in motor, liability, household contents, legal protection, and supplementary health. Directly comparable to DFV in product breadth and German-market focus, with strong broker relationships and growing digital capabilities.
• Barmenia Versicherungen: Wuppertal-based mutual German insurer with strong health and supplementary health insurance offerings (dental, hospital, nursing) plus property lines. Directly comparable to DFV in product mix, German-only distribution, and target customer segments.
• CosmosDirekt (Generali Deutschland): Direct-to-consumer German insurer (Generali subsidiary) focused on life, health and property products sold primarily online. Closely comparable to DFV's digital DTC motion, with a longer track record as one of Germany's largest direct insurers.
• HanseMerkur: Hamburg-based German insurer with a strong focus on supplementary health insurance (dental, hospital, ambulatory), travel health, and pet insurance — products that overlap almost line-for-line with DFV's portfolio. Comparable in size and German-market-only distribution.

Emerging players

• Ottonova: Munich-based digital-first private health insurer (PKV) targeting German consumers with a mobile-first experience. Closest Insurtech analog to DFV in the German supplementary health space, though focused primarily on full PKV rather than supplementary products.
• Getsafe: Heidelberg-based German Insurtech offering digital liability, household contents, and accident insurance via mobile app. Competes with DFV on the digital-first insurance proposition in Germany, particularly among younger, mobile-native consumers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/DFV_AG

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Deutsche Familienversicherung