DKV

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).

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

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

• Private health insurance
• Supplementary health insurance
• Travel health insurance
• Corporate health insurance
• Digital health services

Headquarters

HQ city

Cologne

HQ country

Germany

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. 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
2. Supplementary Insurance Premiums: Recurring premiums for supplementary coverage including dental, hospital, outpatient, and nursing care add-ons to statutory health insurance
3. 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
4. Corporate Health Insurance: Group health insurance plans for businesses (betriebliche Krankenversicherung) and professional associations (Gruppenversicherung)
5. Nursing Care Supplementary Insurance: Supplementary nursing care insurance (Pflegezusatzversicherung) addressing gaps in statutory nursing care coverage

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers1 record

Segments7 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration18 records

AI capability7 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• TeleCliniccoreTechnology or IntegrationDigital 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 GmbHcoreStrategic or Co-development PartnerHealth 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.
• NovegominorStrategic or Co-development PartnerOnline 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.
• somniominorStrategic or Co-development PartnerDigital 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 HealthminorStrategic or Co-development PartnerDigital 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.
• AumiominorStrategic or Co-development PartnerSleep and relaxation app for children featuring age-appropriate audio experiences for falling asleep, sleeping through, and relaxation.
• CaternaminorStrategic or Co-development PartnerDigital amblyopia (lazy eye) therapy providing supplementary training for occlusion treatment with online vision exercises suitable for children.
• KeleyaminorStrategic or Co-development PartnerDigital 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.
• ManoaminorStrategic or Co-development PartnerBlood pressure management app providing personalized coaching, measurement tracking via camera or connected devices, medication reminders, and health lifestyle content for hypertension management.
• Oska HealthminorStrategic or Co-development PartnerChronic 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.
• KalmedaminorStrategic or Co-development PartnerTinnitus 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

Market position

Strengths5 records

Weaknesses1 record

Competitive moat5 records

Key risks4 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/deutsche-krankenversicherung-ag

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 DKV