ERGO Direkt review 2026
How good is ERGO Direkt really?
BaFin-regulated 91/100 points
kosten.org editorial team
Last updated: 2026-01-31
91/100
Points
Based on published terms and features
DKV travel health insurance is offered via ERGO – from €24.80 a year for individuals, €55.10 for families (as of 10/2026).
Highlights of our ERGO Direkt review
- 95/100 points in the value for money category.
- From €24.80/year (family €55.10).
- Up to 10 weeks (70 days) per trip abroad.
- Search, rescue and recovery costs up to €20,000.
Table of contents
1 Scope of cover (33/37 points)
33/37
Points
The benefits cover outpatient and inpatient treatment as well as medical repatriation. DKV covers search, rescue and recovery costs after an accident up to €20,000.
2 Costs (20/21 points)
20/21
Points
At €24.80 a year for individuals and €55.10 for families, the plan is in the upper range of our comparison (as of 10/2026).
3 Claims handling (14/15 points)
14/15
Points
Professional handling via the ERGO structure. Digital submission via app works smoothly.
4 Flexibility (10/12 points)
10/12
Points
Standard contract term of one year. Notice period of one month to the end of the insurance year.
5 Customer service & reputation (14/15 points)
14/15
Points
High reputation as part of the ERGO group. The service is geared to efficiency.
Pros & cons at a glance
Pros
- Long travel duration of 10 weeks
- Solid cover with no excess
- Telemedicine service included
- Very simple online handling
Cons
- Lower cover limits for medical aids
- Settlement can take time in complex cases
Conclusion: ERGO Direkt review
91/100
Very good (1.4)
DKV travel health insurance via ERGO offers a long travel duration of 10 weeks and high recovery costs, but at €24.80 a year is more expensive than HUK-Coburg or Münchener Verein. Note: the points rating dates from 01/2026 and does not yet take the current premium into account.
What is your experience with ERGO Direkt? Feel free to share it with other readers.
Read ERGO Direkt experiences