Updated September 28, 2026 · AssureCue Editorial Team
Bayzat vs DFV Deutsche Familienversicherung AG
Bayzat vs DFV Deutsche Familienversicherung AG: the differences
| Compare |  Bayzat |  DFV Deutsche Familienversicherung AG |
|---|---|---|
| Insurance types | Auto, Health, Life | Dental, Health, Travel, Pet, Home, Income protection |
| Provider type | Broker | Insurer |
| Claims channels | Mobile app, Account manager | Mobile app, Online customer portal, Email, Downloadable claim forms |
| Age range | 18+ | No entry age limit for DFV-ZahnSchutz |
| Premium from | Not confirmed | €9.10 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | €0 to €500 |
| Cover limit | Not confirmed | DFV-TierkrankenSchutz: 1,000 EUR in first 12 months, 2,000 EUR from month 13, 5,000 EUR from month 25 |
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Key differences
- DFV Deutsche Familienversicherung AG scores higher overall: 9.2 vs 8.8.
- Founded is lower at DFV Deutsche Familienversicherung AG: 2007 vs 2012.
- DFV Deutsche Familienversicherung AG is available in 1 more country.
- Insurance types: only Bayzat offers Auto, Life.
- Insurance types: only DFV Deutsche Familienversicherung AG offers Dental, Travel, Pet.
- Claims channels: only Bayzat offers Account manager.
- Claims channels: only DFV Deutsche Familienversicherung AG offers Online customer portal, Email, Downloadable claim forms.
- Support channels: only Bayzat offers Chat.
Our verdict on each
Bayzat
Bayzat is a broker in the UAE for customers aged 18+ who want auto, health and life cover on one account. Claims run through mobile app and account manager, so it suits people who want a named account manager rather than a claims inbox.
DFV Deutsche Familienversicherung AG
DFV Deutsche Familienversicherung AG suits German households that want dental, health, travel, pet, home or income protection under one monthly arrangement, with premiums from €9.10. It scores 6.2 overall, and the monthly model keeps the cash flow predictable for anyone planning cover ahead.
Score breakdown
| Area | Bayzat | DFV Deutsche Familienversicherung AG |
|---|---|---|
| Cost | Not confirmed | 9.2Premiums start at €9.10 on a monthly model, a little above the site median, €8.37, ranking 137 of 252. |
| Offer | 9.0 | 9.4Higher |
| Trust | 8.6 | 9.2Higher |
Licences and countries
| Country | Bayzat | DFV Deutsche Familienversicherung AG |
|---|---|---|
| Germany | Not confirmed |
Additional countries for Bayzat: 1. Additional countries for DFV Deutsche Familienversicherung AG: 2.
Where they rank in our lists
| Ranking | Bayzat | DFV Deutsche Familienversicherung AG |
|---|---|---|
| Life insurance | 207 of 263 | 90 of 263 |
| Health insurance | 165 of 216 | 74 of 216 |
Every fact side by side
| Fact | Bayzat | DFV Deutsche Familienversicherung AG |
|---|---|---|
| Pricing model | Not confirmed | Monthly |
| Legal entity | Not confirmed | DFV Deutsche Familienversicherung AG (Amtsgericht Frankfurt am Main HRB 78012) |
| Headquarters | United Arab Emirates | Germany |
| Founded | 2012 | 2007Lower |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Bayzat | DFV Deutsche Familienversicherung AG | Median |
|---|---|---|---|
| Premium from | Not confirmed | €9.10above the median | €6.02 |
| Excess from | Not confirmed | €0 to €500below the median | €50 |
Median across 116 listed insurance providers.
Pros and cons
Bayzat
Pros
- One account covers auto, health and life rather than separate policies per line
- Claims go through mobile app and account manager, so a named person helps
- Support spans chat, email and phone for quotes and questions
Cons
- Broader cover seekers may find auto, health and life narrower than the alternatives
- No home, travel or property cover appears in auto, health and life
- It sits in a single market from AE, so cover outside the UAE is limited
DFV Deutsche Familienversicherung AG
Pros
- Prices start at €9.10 for dental, comfortably under the site upper quartile, €29.72, and monthly payments spread the cost across the year.
- One insurer handles dental, health and travel, so a household can hold dental, health, pet, travel, home and income cover with a single company.
- There is No entry age limit for DFV-ZahnSchutz on the dental plan, so families can add dental cover at any life stage rather than reapplying as members age.
Cons
- The starting premium of €9.10 belongs to the dental product alone, so pet, travel, home and income cover are quoted on separate terms.
- Support runs on email, phone and help centre only, with live chat and a community forum not listed.
- The pet health cover limit starts lower and steps up over the life of the policy, so a claim made early in the policy settles against the smaller cap.
Who each suits
Bayzat
Who it suits
- Adults in the UAE buying their first auto, health or life policy
- People who want a named account manager on mobile app and account manager
- Households who want auto and health cover on one account
Who should look elsewhere
- Home or renters insurance, where Hiscox UK covers home, renters and landlord
- Motorcycle, pet and travel cover, all in auto, home and renters
- Anyone outside AE who needs cover in a second market
DFV Deutsche Familienversicherung AG
Who it suits
- Households in Germany that want dental, health, travel, pet, home and income protection from one monthly insurer, with the entry premium at €9.10.
- Policyholders who prefer self service, since claims can be filed by mobile app, online customer portal and email without a call.
- Adults adding dental cover later in life, because No entry age limit for DFV-ZahnSchutz on the dental plan.
Who should look elsewhere
- Anyone wanting motor cover in the same basket: Hiscox UK lists home, renters and landlord, while DFV's own set of dental, health and travel stops at personal lines.
- Shoppers after a bundle of auto, life and home: Good Sam Insurance Agency spans auto, home and renters.
- Readers comparing motor premiums in another market: Euroasia Insurance prices from UZS 60,000.
Country by country
| Country | Bayzat | DFV Deutsche Familienversicherung AG |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| United Arab Emirates | Yes | No |
Questions about each
Bayzat
What cover can I buy through Bayzat?+
Bayzat places auto, health and life cover, so a single account can hold more than one type of policy. Because the company is a broker, the policy itself sits with an insurer that Bayzat selects. Nothing in auto, health and life covers a home, a rental or a pet, so those needs sit elsewhere.
How do I make a claim?+
Claims on health cover run through mobile app and account manager, which puts a mobile app and an account manager on the route. If the app route does not suit a claim, the account manager is the alternative named in mobile app and account manager. Support questions generally run on chat, email and phone, a wider set than the claims routes.
DFV Deutsche Familienversicherung AG
What does DFV cost to start with?+
Dental premiums start at €9.10 on the monthly model, and the site median for a starting premium is €8.37. On starting premium, DFV sits at 137 of 252 brands, so the entry price reads as mid table rather than at the floor. Pet, travel and home lines are quoted separately.
Can I pay monthly rather than for a whole year?+
Yes. Monthly payments are available, and monthly is the only payment model listed for the brand, so the account runs month to month rather than annually. That keeps household cash flow steady and spreads the cost of cover across the year instead of requiring a large upfront payment.