Home/Germany/Debeka Krankenversicherung

privateFinancial Strength: A

Debeka Krankenversicherung

Debeka Krankenversicherungsverein a.G.

87.5Score

★★★☆☆3.5

Customer satisfaction · 2.5M members

Franke und Bornberg: FFF+ Outstanding(2026)DFSI: Good(2025)

Debeka is Germany's largest private health insurer by full insurance members (2.55 million). As a mutual insurance association, it traditionally offers lower premium adjustments. Debeka dominates the civil servant (Beamte) market and holds an FFF+ (Outstanding) rating from Franke und Bornberg.

Overall Score

87.5/100

Founded

1905

Headquarters

Koblenz

Type

private

Visit Website→

No obligation. Compare personalized rates.

Key Metrics

Zusatzbeitrag

N/A (private)

Total Rate

Individual tariff-based

Bonus Program

yes

English Support

limited

Editorial Ratings

Franke und Bornberg: FFF+ Outstanding(2026)

Rating: FFF+ (Outstanding) (max: FFF+ (Outstanding))

100Franke

DFSI: Good(2025)

Rating: Overall Good (max: Exzellent)

75DFSI

Coverage Highlights

✓Germany's largest PKV by full insurance member count (2.55M)
✓FFF+ (Outstanding) tariff rating from Franke und Bornberg
✓Mutual structure — traditionally lower premium adjustments
✓Dominant in civil servant (Beamte) tariff segment
✓Complaint rate of 1.3 per 100K contracts (vs industry average 2.8)

Pros

✓Market leader in private full insurance with 2.55M members
✓FFF+ Outstanding from Franke und Bornberg
✓Mutual structure aligns interests with policyholders
✓Low complaint rate — well below industry average
✓Strongest among civil servant tariffs

Cons

✗Significant premium increases in civil servant tariffs (2025) and full-cost tariffs (early 2026)
✗73% negative experiences reported on Finanztip
✗Limited English-language support

Frequently Asked Questions

Is Debeka the largest private health insurer in Germany?

Yes. Debeka has approximately 2.55 million fully insured members, making it the largest PKV provider in Germany by full insurance count.

Is Debeka good for civil servants (Beamte)?

Debeka is the dominant insurer for Beamte tariffs, with the widest selection and strongest ratings. However, significant premium increases occurred in 2025 for civil servant tariffs.

What does Debeka's mutual structure mean for policyholders?

As a Versicherungsverein auf Gegenseitigkeit (mutual insurance association), Debeka has no external shareholders. Surpluses benefit policyholders through lower premiums or better benefits.

How is Debeka's customer service?

Mixed. Debeka scores well in formal ratings (complaint rate 1.3 per 100K vs 2.8 industry average, ServiceValue 'Very Good' fairness), but 73% of Finanztip reviewers report negative experiences.

Quick Summary

InsurerDebeka Krankenversicherung

Country🇩🇪 Germany

Overall Score87.5/100

Satisfaction3.5/5

Members2.5M

Typeprivate

Founded1905

Other Insurers in Germany

DKV Deutsche Krankenversicherung

private

100

/ 100

Allianz Private Krankenversicherung

private

97.5

/ 100

Techniker Krankenkasse (TK)

statutory

/ 100

AOK Rheinland-Pfalz/Saarland

statutory

94.8

/ 100

HEK — Hanseatische Krankenkasse

statutory

92.8

/ 100

Ready to get covered?

Visit Debeka Krankenversicherung to learn more about their plans.

Visit Website→