DKV Belgium Reviews 

The servicexis great

Facility to introduce the documents in the DKV App

I wish I could give 0 stars, beyond disappointed with DKV. I had with my work 12 years of DKV insurance and they closed our office, so we had to decide if we would stay or go to another for our hospital plan. I called them a few times to ask them about the plans because it wasn’t clear at all. They said don’t worry you have time, you have until two months after to find a plan and now it turns out ONLY if I stay with them. Absolutely awful communication from their side. Never going back to DKV.

Intuitive submission and treatment of request via the My DKV app

Quick service and good quality, never had problems so far and already more then 30 years a member. Always correct is service and payments

The worst service provider i have ever seen in my entire life of 33 years. Really i cannot believe this great reputation they have in Belgium as the best private health insurance.

I am insured by them since the day I moved to Belgium through my employer and since that day, they have played all kinds of tricks not to pay my expenses. Once they even claimed I am raising my mom’s expenses through my DKV, my mother lives in TR, never went to doctor in Belgium and the name doesnt match. Once they paid my husband for my literal GYNOCOLOGIST expense claiming i am raising his expenses. But i guess when you are racist enough, the fact that your customer’s name is Turkish can be enough for your mind to fill in the gaps and write great delusional stories :)

Oh btw, my Belgian husband who is also insured by them through me with the very native name of “Jean” gets paid within 48 hours, no problem or questions ever, while right now i am still waiting for them to process expenses i raised August 1st.

I am pregnant right now, i am already so scared as to what kind of suffering they will make me go through for this baby’s expenses..

Awful customer service. You can never get hold of any one person on the phone. If you manage to contact someone it is RARE. The site is just as bad. The document upload facility is unfit for purpose. The software only accepts very limited sizes and formats for your document files. I have never seen anything like it. I do wonder why it is such an awful service but I would not recommend it. There are probably other insurers that have better customer service - although in this age of 'do it yourself', you never know.

Hi,
Stay away from DKV, they will find any possible excuses to reimburse you, it is fundamentally useless and it is very expensive with no benefits.

Our dental implant was approved by DKV, we received a written confirmation and 4 different operators confirmed that we would be reimbursed.
Unfortunately, 1 months after our dental implant was installed, DKV turned the reimbursement down.

There are a lot of miscommunications within the company, and even if they approve the expenses before going to the dentist it is not guaranteed that they will reimburse you. They are totally unreliable, their insurance is expensive and there are no benefits. Wasted money, stay away from them!

My baby son was hospitalised at an age of 2.5 months old and DKV refused to reimburse his hospital treatment because this was less than the contract waiting period of 3 months - this is absurd.

Admittedly, the family is newly subscribed to DKV - on the day of his urgent admission, we had been subscribed to DKV for 2 months and 30 days. Had we gone the next day, it would have been OK (i.e. the contract would have been exactly three months old). However, DKV only cover you from the day of your admission (they say), rather than the day of your discharge or invoice.

So in other words: even if you're a baby, DKV won't give a sh!t about you until you're 3 months old exactly to the day. Before then, bring your wallet because they will make you pay.

I guess I know not to recommend DKV in the future.

Stay away, will do everything they can to exclude paying. Not transparent, sell you stuff but don't tell you about what not to do when you start and find loop holes to avoid paying (be aware not to visit an orthodontist during the 1st year as otherwise any recommendation for treatments later are excluded for life despite no treatments taking place).

Extremely disappointing service. Moved from abroad having barely ever used Heath insurance. DKV was Happy to “sell” you their insurance upfront but not transparent about trial period and take e.g ortho check-ups during trial period as then reason to exclude costs way after trial period even thus treatment would be down the line. Also check their hospital list which has significantly been reduce and does not include key specialist centers like Bordet, St Luc.

23% increase per premium year on year without any communication. If you are a foreigner / expat / business owner this insurance is not competitive and its packs are not economically efficient.