DKV
- Company typePrivate
- Founded1927
- HeadquartersCologne, Germany
- Headcount—
- GTM typeB2B and B2C
- OfferingServices
What DKV does
DKV Deutsche Krankenversicherung AG is a Cologne-based private health insurance company founded in 1927, operating as a subsidiary within the ERGO Group. The company provides private health, supplementary, travel, and corporate health insurance products, serving more than 2 million customers via its combined DKV/ERGO customer portal "Meine Versicherungen." Core products include Krankenvollversicherung (full private health insurance) for self-employed, employees above income threshold, civil servants (Beamte), and students; a broad Zusatzversicherung portfolio covering dental, hospital, outpatient, nursing care, and sickness allowance; Reiseversicherungen (travel and incoming insurance); and B2B Betriebliche Krankenversicherung plus Gruppenversicherung for professional associations.
Underlying technology centers on a digital health insurance platform anchored by the Meine DKV app, which integrates policy management, photo/scan/PDF claim submission, secure messaging, electronic patient record (ePA), e-prescription redemption, and Online Check-in (OCI) at medical practices via QR code over the KIM channel on the German Telematikinfrastruktur. Surrounding the core app is an ecosystem of third-party digital health services — Thieme TeleCare for telephone-based health coaching across chronic conditions and family programs, TeleClinic for 24/7 telemedicine, and ~10 specialized digital therapy apps (somnio, Kaia, Kalmeda, Keleya, Manoa, Oska, Novego, Aumio, Caterna) — plus a Best Care expert network of approximately 100 specialists and a DKV Fallmanagement case-management service.
The business model is recurring premium subscription across B2C and B2B segments. Individual premiums vary widely: travel insurance starting at €24.80/year, hospital supplementary tariffs from €6.40/month, and full PHI at individualized rates based on age, health, and coverage level. DKV reaches customers through a hybrid go-to-market: direct digital self-service (app, portal, online purchase), a national advisor network accessed via the ERGO Vermittlersuche platform, dedicated B2B corporate health channels, and a 24/7 phone service (0800 3746 444). Pricing is risk-based and underwriting-driven, with corporate group plans offered at custom rates. DKV is rated by Fitch for financial strength ("Sehr Stark"), has held Focus Money "Beste Private Krankenversicherung" recognition, and won the CHIP "Beste App" award for four consecutive years (2023-2026).
DKV firmographics
Firmographics- Name
- DKV
- Legal name
- DKV Deutsche Krankenversicherung AG
- Website
- https://dkv.de
- Company type
- Private
- Founded year
- 1927
- Operating status
- Operating
- Ownership category
- akta.pro rank
DKV industry classification
Industry- Product category
- Private Health Insurance
- NAICS
- Direct Health and Medical Insurance Carriers (524114), Direct Life, Health, and Medical Insurance Carriers (52411)
- SIC
- Accident & Health Insurance (6321), Hospital & Medical Service Plans (6324)
- akta.pro primary industry
- Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)
- akta.pro secondary industries
- Small Group Health Insurance (2–50/100) (FSAIAFAD), General Medical Virtual Primary Care (Payer-Branded) (HLALACAA), Chronic Condition Management & Remote Monitoring (e.g., diabetes, HTN) (HLALADAD)
Keywords
Where DKV is headquartered
LocationHeadquarters
- HQ city
- Cologne
- HQ country
- Germany
- HQ region
- Europe
Offices1 record
Markets served
DKV business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- Private Health Insurance Premiums: Recurring premium payments from private health insurance policies covering comprehensive medical care for self-employed, employees above income thresholds, civil servants, and freelancers
- Supplementary Insurance Premiums: Recurring premiums for supplementary coverage including dental, hospital, outpatient, and nursing care add-ons to statutory health insurance
- Travel Insurance Premiums: Premiums for travel insurance products including foreign health insurance, trip cancellation/interruption coverage, with options for short-term (weeks) to long-term (12 months) stays
- Corporate Health Insurance: Group health insurance plans for businesses (betriebliche Krankenversicherung) and professional associations (Gruppenversicherung)
- Nursing Care Supplementary Insurance: Supplementary nursing care insurance (Pflegezusatzversicherung) addressing gaps in statutory nursing care coverage
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Travel Insurance - Trip Cancellation/Interruption |
| Subscription | Annual | Foreign Health Insurance - up to 10 weeks per trip |
| Subscription | Monthly | Foreign Health Insurance - up to 12 months duration |
| Unit Pricing | Pay-as-you-go | Long-term Travel Health Insurance (Europe, up to 31 days) |
| Unit Pricing | Pay-as-you-go | Incoming Travel Insurance for Foreign Guests |
| Subscription | Monthly | Hospital Supplementary Insurance - KSU Tariff |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels7 records
DKV product offering
Product offeringCore offering
DKV Deutsche Krankenversicherung AG is a German private health insurer that underwrites full private health insurance (Krankenvollversicherung), supplementary insurance (dental, hospital, outpatient, daily sickness allowance, nursing care), travel insurance (foreign health, cancellation, incoming), corporate group health insurance, and burial expense insurance. The company also runs an integrated digital health services ecosystem (Meine DKV app, ePA, e-prescriptions, Online Check-in, TeleClinic telemedicine, Best Care specialist access, and Thieme TeleCare coaching programs) to support policyholders across their healthcare journey.
Product overview
DKV (Deutsche Krankenversicherung AG) is a German private health insurance provider offering a comprehensive portfolio of insurance products and digital health services. The core offerings include Private Krankenversicherung (full private health insurance) with various tariff options for different customer segments (self-employed, employees, civil servants, students), supplemented by a wide range of Zusatzversicherungen (supplementary insurance) products including dental (Zahnzusatzversicherung), hospital (Krankenhauszusatzversicherung), nursing care (Pflegezusatzversicherung), outpatient (Ambulante Zusatzversicherung), and travel insurance (Reiseversicherungen). The company also provides corporate health insurance solutions (Betriebliche Krankenversicherung) and group insurance for associations. DKV differentiates through extensive digital health services including the Meine DKV App (awarded 'Best App' by CHIP for 4 consecutive years), electronic patient records (ePA), e-prescription services, TeleClinic telemedicine consultations, DKV Fallmanagement case management, health coaching programs via Thieme TeleCare, and a portfolio of digital health apps (somino sleep training, keleya pregnancy, Manoa blood pressure, Oska kidney health, Kalmeda tinnitus, Kaia COPD/back pain, Novego mental health). The product ecosystem includes themed information portals (Gesundheitswelt, PflegeWelt, Zahnwelt), the customer portal Meine Versicherungen, and the Versicherungskompass advisory tool. DKV integrates with Germany's Telematikinfrastruktur for ePA and e-prescription, enabling seamless data exchange with healthcare providers.
Differentiator
Problem solved
Functional benefit
Products and services
- Private Krankenversicherung (Krankenvollversicherung) Full private health insurance coverage for self-employed, freelancers, entrepreneurs, employees above income threshold, civil servants, and students. Provides comprehensive medical coverage with customizable tariff options.
- Premiumtarif Private Krankenversicherung Premium private health insurance tariff with enhanced benefits and comprehensive coverage for high-end medical services.
- Beihilfetarife (Beihilfe-Komplementärversicherung) Health insurance products specifically designed for civil servants eligible for government Beihilfe subsidies; complements state assistance with supplementary coverage.
- Zahnzusatzversicherung Supplementary dental insurance covering dental treatments, crowns, bridges, implants, and orthodontics. Offers up to 100% coverage with no waiting periods for implants and crowns.
- Krankenhauszusatzversicherung Hospital supplementary insurance providing private patient treatment with options for single/double room, chief physician treatment, and free hospital choice.
- Pflegezusatzversicherung Nursing care supplementary insurance providing financial security when care is needed, including the Pflege Schutz Paket option for organizational support.
- Ambulante Zusatzversicherung (Ambulant-Schutz / Premium Ambulant-Schutz) Outpatient supplementary insurance covering preventive care, visual aids, and alternative medicine treatments, with the Premium Ambulant-Schutz tier covering digital health applications (DiGA) at 100% reimbursement.
- Krankentagegeldversicherung Daily sickness allowance insurance providing income replacement when policyholder is unable to work due to illness.
- Kur-Tagegeldversicherung Rehabilitation daily allowance insurance covering costs during sanatorium and rehabilitation stays.
- Rundum-Zusatzversicherung Comprehensive all-around supplementary insurance combining multiple coverage types (dental, hospital, outpatient, nursing care) in one bundle.
- Auslandskrankenversicherung (Foreign Travel Health Insurance) Foreign travel health insurance providing medical coverage abroad. Available for trips up to 10 weeks, 12 months, or per-trip basis; rated 4.8/5 by 2,903 eKomi reviews.
- Reiserücktrittsversicherung (Travel Cancellation Insurance) Travel cancellation insurance covering trip cancellation and interruption costs, including coverage for unexpected serious illness such as COVID-19.
- Incoming-Versicherung Health insurance for guests visiting from abroad to Germany. Daily rates starting from 1.60 EUR/day for travelers up to 45 days.
- Betriebliche Krankenversicherung (Corporate Health Insurance) Company-provided health insurance solutions for employers offering employees supplementary health benefits as part of compensation packages.
- Gruppenversicherung (Group Insurance) Group insurance solutions for professional associations and freelancers offering collective rates and benefits.
- Sterbegeldversicherung (Burial Expense Insurance) Burial expense insurance providing financial provision for funeral costs and arrangements, distributed as a partner product.
- KombiMed Best Care (Medical Concierge Service) Medical concierge service providing access to top medical experts within 5 business days for serious stationary illnesses, with personal case managers and EUR 500 travel expense allowance. Requires hospital supplementary insurance with single/double room and chief physician treatment.
- TeleClinic Digitale Sprechstunde (Telemedicine Service) Digital doctor consultation via video call providing 24/7 access to over 3,200 physicians. DKV fully insured customers receive premium access to speak with a doctor within 30 minutes. Includes e-prescription and work certification.
- DKV Fallmanagement (Case Management Service) Case management service providing personalized support for patients with serious diagnoses including obesity, neurological conditions, intensive care, oncology, and accidents. Dedicated case manager assigned as single point of contact.
- Meine DKV App Mobile application for insurance management providing receipt submission via photo/scan/PDF, secure postbox, contract details, e-prescription, and electronic patient record access for fully insured customers.
- Kundenportal Meine Versicherungen Online customer portal for insurance management used by over 2 million DKV and ERGO customers. Allows policy management, document access, and service requests via web and app.
- DKV Gesundheitsprogramme (Telephone Health Coaching) Telephone-based health coaching programs for chronic conditions including Long Covid, Asthma/COPD, Diabetes, Heart failure, Cardiovascular disease, Weight management, Cancer support, Migraine, Multiple chronic conditions, Back pain, Mental health, Fatty liver, and Arthrose. Delivered by Thieme TeleCare.
- DKV Aktivprogramme (Wellness Programs) Active wellness programs covering Healthy nutrition, Movement in daily life, Healthy back, Relaxation, Restful sleep, Weight loss, Home office fitness, Mental fitness, and Smoking cessation. Delivered by Thieme TeleCare.
- DKV Familienprogramme (Family Health Programs) Family health programs including Baby on the way (pregnancy support) and Baby to toddler (development guidance). Conducted by Thieme TeleCare with telephone coaching and Thieme TeleCoach app.
- DKV Gesundheitstelefon (24/7 Health Hotline) 24/7 health hotline providing medical advice, specialist search assistance, diagnosis explanation, second opinion service, medication counseling, travel medicine advice, and nutrition counseling. Free service by doctors, nurses, and nutritionists.
Quantifiable outcome
- 2+ million customers served through DKV and ERGO platforms
- +3 more outcomes
Companies that use DKV
Customer profileNamed customers1 record
Segments7 records
Ideal customer profiles4 records
DKV technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration18 records
AI capability7 records
Feature5 records
DKV partnerships and signals
Strategic signalPartnerships
Eleven partnerships are on record, tiered core and minor.
- TeleCliniccoreDigital telemedicine partnership providing 24/7 video consultation with over 3,200 physicians. DKV fully insured customers receive premium access with consultations within 30 minutes. Service available for prescription issuance and medical certificates via the TeleClinic app.
- Thieme TeleCare GmbHcoreHealth coaching and programs provider delivering telephone-based health management programs including health, activation, and family programs. Thieme TeleCoach app complements the coaching services. Partnership based on 20+ years of telemedical experience with scientifically grounded programs.
- NovegominorOnline mental health programs for anxiety, depression, and burnout. Novego provides digital self-help programs lasting 6 weeks with content available for one year after completion. Includes professional psychological support and individual customization.
- somniominorDigital sleep training app implementing cognitive behavioral therapy for insomnia (KVT-I). 12 modules over 3 months with personalized sleep coach and evidence-based approach validated in clinical studies.
- Kaia HealthminorDigital therapy programs for COPD and back pain. Kaia provides personalized digital therapy accessible without travel, adapting to user needs with exercise programs available via app.
- AumiominorSleep and relaxation app for children featuring age-appropriate audio experiences for falling asleep, sleeping through, and relaxation.
- CaternaminorDigital amblyopia (lazy eye) therapy providing supplementary training for occlusion treatment with online vision exercises suitable for children.
- KeleyaminorDigital pregnancy companion app guiding users through 40 weeks with personalized content, weekly updates, nutrition tips, exercises, yoga, meditation, and live sessions with experts. Includes online birth preparation course.
- ManoaminorBlood pressure management app providing personalized coaching, measurement tracking via camera or connected devices, medication reminders, and health lifestyle content for hypertension management.
- Oska HealthminorChronic kidney disease management app with personalized therapy plans, expert access, and evidence-based approach developed with physicians. Supports patients before dialysis and those with diabetes or hypertension risks.
- KalmedaminorTinnitus management app based on cognitive behavioral therapy with personalized plans, relaxation exercises, acoustic aids with nature sounds, and expert support for chronic tinnitus sufferers.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
DKV competitors and assessment
Company assessmentMarket position
Strengths5 records
Weaknesses1 record
Competitive moat5 records
Key risks4 records
Key highlights7 records
Customer concentration
DKV social profiles
Digital presenceDKV compliance and trust
Trust signalCompliance9 records
DKV financial estimates
Financial estimateRevenue estimate
Valuation estimate
DKV leadership team
Management profileNumber of profiles
Profiles1 record
DKV funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
DKV M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about DKV
What does DKV do?
DKV Deutsche Krankenversicherung AG is a German private health insurer that underwrites full private health insurance (Krankenvollversicherung), supplementary insurance (dental, hospital, outpatient, daily sickness allowance, nursing care), travel insurance (foreign health, cancellation, incoming), corporate group health insurance, and burial expense insurance. The company also runs an integrated digital health services ecosystem (Meine DKV app, ePA, e-prescriptions, Online Check-in, TeleClinic telemedicine, Best Care specialist access, and Thieme TeleCare coaching programs) to support policyholders across their healthcare journey.
Is DKV a public or private company?
DKV is a private company. It is classified as corporate owned and is currently operating.
When was DKV founded?
DKV was founded in 1927.
Where is DKV based?
DKV is headquartered in Cologne, Germany, in the Europe region.
How does DKV make money?
Five revenue lines are on record. Private Health Insurance Premiums are the primary driver. The others are supplementary Insurance Premiums, travel Insurance Premiums, corporate Health Insurance and nursing Care Supplementary Insurance.
Does DKV have an API?
No public API is recorded for DKV.
What industry is DKV in?
DKV's product category is Private Health Insurance. Its primary akta.pro industry code is FSAIAFAE, Large Group Health Insurance (Mid-Market & National Accounts), with a secondary code of FSAIAFAD, Small Group Health Insurance (2–50/100). Its NAICS code is 524114 and its SIC code is 6321.