DFV Deutsche Familienversicherung AG review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

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.

Key facts

Best for
Monthly cover for a German household across personal lines, with the dental plan open at any age.
Premium from
€9.10 (Source, checked September 26, 2026)
Insurance types
Dental, Health, Travel, Pet, Home, Income-protection (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
€0 to €500 (Source, checked September 26, 2026)
Cover limit
DFV-TierkrankenSchutz: 1,000 EUR in first 12 months, 2,000 EUR from month 13, 5,000 EUR from month 25 (Source, checked September 26, 2026)
Claims channels
Mobile app, Online customer portal, Email, Downloadable claim forms (Source, checked September 26, 2026)
Age range
No entry age limit for DFV-ZahnSchutz (Source, checked September 26, 2026)
Legal entity
DFV Deutsche Familienversicherung AG (Amtsgericht Frankfurt am Main HRB 78012) (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
2007 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
deutsche-familienversicherung.de

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataTrustpilotLinkedIninstagram.com

Pros and cons

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.
  • Claims can be filed by mobile app, online customer portal and email, which covers a mobile app, an online customer portal, email and downloadable claim forms.
  • Support runs on email, phone and help centre, and phone is the channel most commonly listed across the site, at 90.9%.

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.
  • The €9.10 dental entry point puts the brand at 137 of 252 on starting premium, a mid table price rather than a low entry price.
DFV Deutsche Familienversicherung AG

Ready to try DFV Deutsche Familienversicherung AG?

Scored 9.2 / 10 by AssureCue.

See alternatives

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.

Who regulates the provider

DFV Deutsche Familienversicherung AG is an insurer, insurer, so it underwrites the cover itself rather than placing policies with another carrier. German insurers of this kind are supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), the regulator named in its licence. For a reader weighing where the money goes, that structure is the point: the premium, the policy wording and the claim all sit with one regulated company, with no intermediary taking a share between you and the balance sheet standing behind the cover.

Cover and limits

The range runs to dental, health and travel, so dental sits alongside health, travel, pet, home and income protection under one roof. The dental plan carries No entry age limit for DFV-ZahnSchutz, which matters for a family whose members are at different ages and want a single dental policy rather than separate applications. On the pet health plan the cover limit starts at a lower amount in the opening year of the policy and steps up in later years, so a claim made early settles against the smaller cap. The breadth here is horizontal rather than deep, but it covers the everyday family lines that get bought together.

Price signals

Premiums start at €9.10 on the dental product, and monthly payments are available on that arrangement, which is the only payment model listed for the brand. For context, the site median for a starting premium is €8.37 and the middle of the field runs €2.92 to €29.72, so the entry point reads as close to the middle of the market. On claims, the excess runs €0 to €500, so some policies settle in full while others leave you to meet part of the bill. Treat €9.10 as a dental starting point rather than a whole portfolio price.

How your money is protected

The money side is straightforward because the company is the insurer, insurer. The premium you pay funds the risk the same company carries, and a claim is settled by the same legal entity that wrote the policy, so the cash never rests with an intermediary. That makes the insurer's own financial position the thing your money depends on, and readers who weigh safety above price should read the solvency reporting of the company named on their policy before they commit.

The company behind it

The legal entity is DFV Deutsche Familienversicherung AG, entered in the commercial register in Frankfurt am Main, and the operation is based in Germany. It has been trading since 2007 under that same legal entity, and its plans are shaped around household cover rather than commercial business. Support runs on email, phone and help centre, so a policyholder can call, write or work through the help centre, with live chat and a community forum not listed for anyone who prefers live digital support.

How DFV Deutsche Familienversicherung AG compares

Where DFV Deutsche Familienversicherung AG is available

Available
Austria, Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Is there an excess to pay when I claim?+

The excess runs €0 to €500 on claims, so some products carry no excess while others leave you to meet part of the bill. The figure is set by the individual policy rather than by the brand, so check the excess shown on the quote for dental, pet, travel or home cover before you sign.

Who regulates DFV Deutsche Familienversicherung AG?+

DFV is an insurer, insurer, supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). Insurers write the policy themselves rather than placing it with another carrier, so the company named on your documents is also the company that pays the claim.

Is my money safe with DFV?+

The premium is paid into the insurer that carries the risk, since DFV is insurer rather than a broker. That makes the insurer's own financial position the thing your money depends on, so readers who weigh safety should read the annual report and solvency note of the company behind the policy.

How do I make a claim with DFV?+

Claims can be filed by mobile app, online customer portal and email, which means a mobile app, an online customer portal, email or a downloadable claim form. A policyholder can start a claim digitally without visiting an office, and support runs separately on email, phone and help centre if a call or the help centre suits you better.

Can I take out dental cover later in life?+

There is No entry age limit for DFV-ZahnSchutz on the dental plan, so an older adult is not held back on age grounds alone. Combined with monthly payments and a starting premium of €9.10, it suits anyone adding dental cover later in life rather than at the start of a working career.

How much does DFV pet health cover pay out?+

The cover limit on the pet health plan starts at a lower amount in the opening year of the policy and rises in later years, so an early claim is capped at the smaller figure while a mature policy pays more. Owners budgeting veterinary bills should plan for the smaller cap early in the policy and the higher one later.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

DFV Deutsche Familienversicherung AG

DFV Deutsche Familienversicherung AG

Monthly cover for a German household across personal lines, with the dental plan open at any age.

9.2/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings