DFV review 2026
How good is DFV really?
BaFin-regulated 88/100 points
kosten.org editorial team
Last updated: 2026-01-31
88/100
Points
Based on published terms and features
DFV brings a breath of fresh air to the insurance market. Its AuslandsreiseSchutz (travel protection abroad) is modern, digital and offers a solid scope of cover.
Highlights of our DFV review
- 90/100 points in the digitalisation & UX category.
- Stiftung Warentest (Finanztest) grade "Sehr Gut" (very good).
- Rooming-in costs for accompanying persons included.
- Simple real-time claims reporting via app.
Table of contents
1 Scope of cover (35/37 points)
35/37
Points
The scope of cover is excellent and, besides standard protection, includes rooming-in (a parent staying overnight with a child in hospital) as well as help with pregnancy complications.
2 Costs (14/21 points)
14/21
Points
At around €20 a year, DFV is more expensive than other providers. Here you also pay for the high degree of digitalisation and service convenience.
3 Claims handling (14/15 points)
14/15
Points
DFV relies on "real-time settlement". Many standard cases are processed automatically and very quickly.
4 Flexibility (10/12 points)
10/12
Points
The plan applies for the first two months of each trip abroad and is very flexible to administer.
5 Customer service & reputation (15/15 points)
15/15
Points
A young, dynamic company with very good availability via chat and app.
Pros & cons at a glance
Pros
- Outstanding app support
- Very fast, often automated settlement
- Comprehensive, modern insurance cover
- No hidden clauses
Cons
- Higher annual premium in comparison
- Senior plans less attractive
Conclusion: DFV review
88/100
Very good (1.6)
DFV is the ideal choice for digital natives who manage their insurance on their smartphone and are willing to pay a little more for convenience.
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Read DFV experiences