Who DKV Is
DKV (Deutsche Krankenversicherung) is part of ERGO, itself owned by the Munich Re group, one of the largest reinsurers in the world. It sits among the biggest private health insurers in Germany and offers a wide tariff range, from entry plans to comprehensive cover.
DKV has a stronger international footprint than most German insurers, which appeals to members who travel often or expect to live abroad for spells.
Strengths
- Group backing: the Munich Re connection gives strong financial reassurance.
- Tariff breadth: options across every price and cover level, plus supplementary and international products.
- Second-opinion services: access to expert medical review is a genuine benefit on the comprehensive plans.
Where To Look Closely
DKV’s size means the tariff you pick matters more than the brand. Some older tariffs have drawn criticism over premium increases, so ask specifically about the increase history of the tariff you are being offered, not the company average. Check whether the plan you want is still open to new business and how its ageing reserves are structured.
Best fit: a member who wants a large, internationally minded insurer and is willing to compare specific tariffs on their own increase record.
Get the increase history for your exact tariff in writing, and confirm the international cover limits match how you actually live.
Frequently Asked Questions
Compare PKV Tariffs for Your Situation
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