DFV Deutsche Familienversicherung

DFV Deutsche Familienversicherung AG is a direct-to-consumer insurance carrier based in Frankfurt am Main, Germany, offering supplementary health, personal property and casualty, and pet insurance to policyholders throughout the country. Founded in 2006, the company distributes entirely through its own web and mobile channels without an intermediary agent network.

The company operates a proprietary digital platform that supports real-time underwriting acceptance, policy issuance, and claims processing. Its mobile application, recognized as Germany's highest-rated insurance app, allows policyholders to submit claims by photo, manage contracts, and purchase on-demand coverage. The DFV Snap product demonstrates this on-demand model by making 24-hour accident insurance available for purchase directly through the app. AI-driven automation handles underwriting decisions and customer service workflows.

For the 2025 fiscal year, the company reported gross premiums of EUR 204 million and a pre-tax profit of EUR 10 million, the latter exceeding management's forecast range. The company was publicly listed on the Frankfurt Stock Exchange (Xetra) from December 2018 until its acquisition by Persarinis Haron Holding in September 2024, with approximately 500,000 policyholders across its product portfolio at that time. The company's first shareholder dividend of EUR 0.34 per share was proposed for the June 2026 annual meeting.