DKV Luxembourg

Name

DKV Luxembourg

Legal name

DKV Luxembourg S.A.

Website

https://dkv.lu

Company type

Private

Founded year

1981

Operating status

Operating

Headcount range

51–100 employees

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

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

Keywords

• Supplementary health insurance
• Private health insurance
• Group health insurance
• Income protection insurance
• Travel health insurance

Headquarters

HQ city

Leudelange

HQ country

Luxembourg

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: DKV Luxembourg generates revenue through recurring insurance premiums paid by policyholders for supplementary health insurance coverage. Premiums are subscription-based and can be deducted from taxes under Article 111 L.I.R.
2. Group Corporate Insurance: Revenue from企业提供 group health insurance contracts (COMPANY product) providing employee health benefits to businesses.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

DKV Luxembourg is a private health insurance company that sells supplementary health insurance products complementing Luxembourg's mandatory CNS coverage. It offers modular plans covering hospitalization, outpatient care, dental, optical, and alternative medicine (COMPACT HEALTH, PLUS HEALTH, EASY HEALTH, EU PLUS, HOSPITAL HEALTH, COMPLETE HEALTH), along with CONTINUE PLUS income protection for self-employed professionals, BEST CARE PREMIUM+ emergency specialist access, TRAVEL travel health cover, and COMPANY group health insurance for businesses. Products are distributed through the LALUX agent network and supported by digital self-service platforms (easyAPP, customer portal, COMPANY portal).

Product overview

DKV Luxembourg, a member of the LALUX Group since 1981, operates as a private health insurance specialist and market leader in Luxembourg. The company offers a comprehensive portfolio of complementary health insurance products organized into global complementary health insurance (COMPACT HEALTH, PLUS HEALTH, EASY HEALTH, EU PLUS, COMPLETE HEALTH) and specific health insurance solutions (HOSPITAL HEALTH, CONTINUE PLUS, BEST CARE PREMIUM+). The product lineup also includes TRAVEL for travel health coverage and COMPANY for business group insurance. Products are supported by digital service platforms including easyAPP mobile application, easyAPP Home customer portal, and the COMPANY Portal for business client management. DKV Luxembourg operates under the LALUX brand and serves both private individuals and corporate clients through a network of agents and direct digital channels.

Differentiator

Problem solved

Functional benefit

Brands

• COMPACT HEALTH: Supplementary health insurance covering hospital inpatient costs, dental treatments, and visual aids at an essential level.
• PLUS HEALTH
• EASY HEALTH
• EU PLUS
• HOSPITAL HEALTH
• COMPLETE HEALTH
• CONTINUE PLUS
• BEST CARE PREMIUM+
• TRAVEL
• COMPANY

Products and services

• COMPACT HEALTH Essential supplementary health insurance covering inpatient hospital treatment in first class, dental care, and vision aids. Reimburses up to 250 EUR every two years for glasses or contact lenses, or up to 250 EUR for laser eye surgery. Includes a 30 EUR daily hospitalization indemnity. Targeted at individuals seeking entry-level supplementary coverage.
• PLUS HEALTH Comprehensive supplementary health insurance covering hospitalization, outpatient treatment, dental care, and optical care within a controlled budget. Includes 500 EUR every two years for glasses/contact lenses or up to 500 EUR for laser eye surgery. Automatically includes TRAVEL+ international coverage.
• EASY HEALTH The most comprehensive supplementary health insurance covering inpatient and outpatient medical treatments, dental care, and optical aids. Reimburses up to 500 EUR every two years for glasses/contact lenses and up to 3,000 EUR for laser eye surgery. Includes BEST CARE+ emergency assistance and TRAVEL+ international coverage.
• EU PLUS Supplementary health insurance specifically designed for European Union officials and their families. Covers residual costs of curative treatments after EU benefits are deducted, providing up to 100% coverage. Includes optical coverage up to 100 EUR every two years and unlimited coverage in Europe.
• HOSPITAL HEALTH Specific supplementary insurance for hospitalization covering all supplementary hospitalization expenses including ambulance transport (up to 400 km), first-class hospitalization, free choice of doctor including chief physician, and 30 EUR daily hospitalization indemnity. Coverage extends throughout Luxembourg and Europe plus one month worldwide.
• COMPLETE HEALTH Ultra-comprehensive health insurance available even for those not registered with mandatory health insurance. Covers best medical services for outpatient, inpatient, dental, and optical treatments including alternative methods. Reimburses up to 700 EUR every two years for glasses/contact lenses and up to 3,000 EUR for laser surgery. Automatically includes TRAVEL+ coverage.
• CONTINUE PLUS Income protection insurance for self-employed professionals and freelancers covering loss of earnings due to illness or accident. Offers flexible daily allowances starting after 8, 15, or 31 days (from first day in case of accident). Premiums are tax-deductible and benefits are tax-free.
• BEST CARE PREMIUM+ Premium emergency assistance service guaranteeing a specialist appointment within 5 working days for serious and potentially fatal illnesses. Includes detailed recommendations or second opinions, and arranges surgical consultations on the policyholder's behalf. Included in EASY HEALTH, COMPLETE HEALTH, and PLUS HEALTH; available as add-on for HOSPITAL HEALTH and COMPACT HEALTH.
• TRAVEL Travel health insurance providing worldwide coverage for trips in Europe and globally. Covers medical services, medications, physiotherapy, hospitalization in private room, dental care, and medical transport. Exclusively available to LALUX Group customers, subscribable via easyAPP.
• COMPANY Group health insurance solution for businesses providing flexible coverage options including outpatient treatments, optical care, dental care, hospitalization, BEST CARE PREMIUM+ emergency assistance, and TRAVEL+ international coverage. Features immediate coverage without medical examination or waiting period for all employees.

Quantifiable outcome

• 100% coverage for specific lab analyses (serum iron, homocysteine, anti-ovalbumin antibodies) through BIONEXT partnership
• +4 more outcomes

Named customers4 records

Segments1 record

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature7 records

Partnerships

Three partnerships are on record, tiered core and supporting.

• BIONEXT LaboratorycoreTechnology or Integration · 1 June 2024Partnership for third-party payment (tiers payant) service covering common biomedical analyses. DKV clients with outpatient coverage receive direct billing for three blood tests (serum iron, homocysteine, anti-ovalbumin antibodies) at 100% reimbursement. Includes Picken Doheem mobile blood sampling service allowing samples at home or workplace.
• Refractive Eye Surgery Centers NetworksupportingTechnology or Integration · 1 January 2020Direct payment service for refractive surgery treatments at partner centers: Cabinet de Chirurgie Réfractive Findel, Centre Ophtalmologique Monterey, Centre Ophtalmologique Place de Paris, and Smile Eyes in Trier. Clients can receive coverage without upfront payment.
• Picken Doheem (BIONEXT Service)supportingTechnology or IntegrationMobile blood sampling service by BIONEXT enabling DKV clients to have blood tests taken at home or workplace without appointment. Free service available to Luxembourg residents and cross-border workers.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• AXA Luxembourg: Direct competitor offering supplementary health, life, and P&C insurance in the Luxembourg market. Competes head-to-head with DKV across individual, family, and corporate segments, leveraging a similarly broad agent network.
• Generali Luxembourg: Italian-headquartered insurer with a Luxembourg presence offering life and health products. Competes with DKV in supplementary health insurance, including for both individual and corporate clients.
• Baloise Insurance Luxembourg: Swiss-headquartered insurer with a Luxembourg subsidiary offering health, life, and property coverage. Competes with DKV in supplementary health for individuals and corporate clients in Luxembourg.
• Allianz Luxembourg: Global insurance group's Luxembourg operation, offering health, life, and P&C products with strong brand recognition. Competes with DKV in the supplementary health insurance segment, particularly for corporate and high-net-worth clients.
• Foyer Assurances: One of Luxembourg's leading domestic insurers offering health, life, and P&C products. Directly competes with DKV Luxembourg in the supplementary health insurance market and operates a comparable agent distribution model.

Emerging players

• Allianz Care: International health insurance arm of Allianz serving expatriates and globally mobile individuals. Comparable to DKV's EU PLUS and TRAVEL products in targeting cross-border and internationally mobile customers with private health coverage.
• April International: Specialist provider of international health, travel, and life insurance for expatriates and cross-border workers. Closely comparable to DKV's TRAVEL and EU PLUS product offerings for the Luxembourg cross-border workforce.
• Cigna Global Health: Global health insurer for expatriates and international employees. Comparable in product design to DKV's EU PLUS, offering modular international health plans including outpatient, dental, and vision coverage.

Broad incumbents

• Barmenia Krankenversicherung: German private health insurance specialist with a modular product portfolio similar to DKV's COMPACT/PLUS/EASY HEALTH tiers. Comparable specialist focus on supplementary health coverage rather than a full multi-line generalist model.
• Debeka Krankenversicherung: One of Germany's largest private health insurers, with a mutual/membership model and modular product tiers. Comparable to DKV in its specialist focus on private supplementary health insurance and long-tenured customer relationships.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCHVgdZ8zW59Z-XOzUoGxxHw
• Facebookfacebook.com/DKVLux
• LinkedInlinkedin.com/company/dkv-luxembourg-s-a-
• Instagraminstagram.com/dkv_lux

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 DKV Luxembourg