DFV Deutsche Familienversicherung AG review
Updated September 28, 2026 · SumCue 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. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
DFV Deutsche Familienversicherung AG is a German insurer for households wanting everyday protection, with the dental plan DFV-ZahnSchutz starting at a premium of €9.10. It suits people who want dental, health, travel, pet, home and income cover from one insurer and who file claims through the app or the customer portal.
Key facts
- Best for
- One German insurer for dental, health, travel, pet, home and income cover, paid monthly.
- Premium from
- €9.10↗
- Insurance types
- Dental, Health, Travel, Pet, Home, Income-protection↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Excess from
- €0 to €500↗
- Cover limit
- DFV-TierkrankenSchutz: 1,000 EUR in first 12 months, 2,000 EUR from month 13, 5,000 EUR from month 25↗
- Claims channels
- Mobile app, Online customer portal, Email, Downloadable claim forms↗
- Age range
- No entry age limit for DFV-ZahnSchutz↗
- Legal entity
- DFV Deutsche Familienversicherung AG (Amtsgericht Frankfurt am Main HRB 78012)↗
- Headquarters
- Germany↗
- Founded
- 2007↗
- Support channels
- Email, Phone, Help-centre↗
- Pricing model
- Monthly
- Official website
- deutsche-familienversicherung.de
Facts checked September 26, 2026, 6 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- One insurer for dental, health, travel, pet, home and income protection, set out in dental, health and travel.
- Claims run through the mobile app, online customer portal and email, so you are not tied to one route.
- No entry age limit for DFV-ZahnSchutz, so dental cover fits children and parents in the same household.
- Monthly payments are available and the monthly model spreads the premium across the year.
Cons
- The pet plan's cover limit starts low and steps up only as the months pass.
- Support runs on email, phone and help centre alone, with no live chat for quick questions.
- The excess runs €0 to €500, so a high setting can leave small claims short.
Who it suits
- Families in Germany who want dental, health, travel, pet, home and income cover from one insurer.
- Parents who want children and adults on dental cover, given No entry age limit for DFV-ZahnSchutz.
- People who like choosing how to report a claim, with mobile app, online customer portal and email.
Who should look elsewhere
- Anyone after free everyday banking: bunq starts at €0 and does not cover family risks.
- Savers comparing the Spanish market, where bunq Spain starts at €0.
- Long-term investors, since Linxea's life assurance product starts at €25 for money you plan to hold.
Deposit protection
DFV is an insurer, not a bank, so the money you pay in is not a bank deposit and carries no bank deposit protection. Supervision in Germany sits with the regulator Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin). What you hold is insurance cover rather than savings, so what matters is the cover you choose and how quickly a claim is settled.
The company behind it
The insurer trades as DFV Deutsche Familienversicherung AG, entered in the Frankfurt am Main court register and based in Germany. It has been writing policies since 2007. Support runs on email, phone and help centre, so you can call or email the same company that carries the risk, rather than a call centre working for a broker.
How DFV Deutsche Familienversicherung AG compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.7A life assurance savings product for longer-term money, starting at €25.
9.2 vs 9.0
9.2 vs 8.8A bank account rather than insurance, starting at €0, useful for everyday payments and savings without family cover.
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.6
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.3
9.2 vs 8.2- 9.2 vs 8.0
Where DFV Deutsche Familienversicherung AG is available
- 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 for a dental plan?+
Premiums for DFV-ZahnSchutz start at €9.10, and the payment model is monthly. Monthly payments are available, so the cost can be spread across the year instead of paid as one lump. Other plans in the range, such as pet and travel cover, are priced separately.
What kinds of cover does DFV sell?+
DFV sells dental, health, travel, pet, home and income protection, as listed in dental, health and travel. That lets one insurer carry several policies for a household, from a child's dental plan and the family dog through to the home and a breadwinner's income.
How do I report a claim?+
Claims can be filed through the mobile app, online customer portal and email, so you can start in the mobile app, continue in the online customer portal, send an email, or download a claim form and post it, whichever route suits you that day.
Is my money protected with DFV?+
DFV is an insurer, not a bank, so premiums you pay are not a bank deposit and no bank deposit scheme applies to them. It is supervised in Germany by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), and your protection comes from the policy terms rather than a savings guarantee.
Is there an age limit on DFV dental cover?+
Entry age is not a barrier here, because No entry age limit for DFV-ZahnSchutz. That makes DFV-ZahnSchutz workable for a household with a newborn and an older parent, since a parent does not need to be moved onto a different policy to keep a child covered.
What is the excess on a DFV claim?+
The excess runs €0 to €500. Where it is set high, a small claim can return very little after the deduction, so the level matters more for routine bills than for a large claim. Reading it before you pick a plan avoids surprises at settlement.
Sources
- deutsche-familienversicherung.de checked September 26, 2026
Backs: Insurance types
“Zahnzusatz, Krankenhaus, Krankengeld, Auslandskranken, Ambulant, Pflege, Unfall, 24h Unfall, Kombiversicherung, Privathaftpflicht, Hausrat, Verkehrsrecht, Hundekranken, Hundehaftpflicht”
- bafin.de/DE/Startseite/startseite_node.html checked September 26, 2026
Backs: Licences
- deutsche-familienversicherung.de/gesundheit-vorsorge/zahn... checked September 26, 2026
Backs: Age range, Pricing model, Monthly payments, Premium from
“Unsere Zahnzusatzversicherung Jetzt Beitrag berechnen ... Monatsbeitrag ab 9,10 EUR”
- deutsche-familienversicherung.de/impressum checked September 26, 2026
Backs: Headquarters, Legal entity, Support channels
“DFV Deutsche Familienversicherung AG ... Handelsregister Amtsgericht Frankfurt am Main HRB 78012”
- deutsche-familienversicherung.de/kundenservice/schaden-me... checked September 26, 2026
Backs: Claims channels, Excess from
- deutsche-familienversicherung.de/tierversicherung/hundekr... checked September 26, 2026
Backs: Cover limit
- deutsche-familienversicherung.de/ueber-uns checked September 26, 2026
Backs: Provider type, Founded
Compiled from 7 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
DFV Deutsche Familienversicherung AG
One German insurer for dental, health, travel, pet, home and income cover, paid monthly.