DKV wants to speed up your claims as a DKV Personal Doctor insurance policy customer
Are you looking for help from DKV?
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Find the answers to your questions and how to manage them as quick as possible
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Use the contact methods specific to your insurance type
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Discover the advantages and extra health services included in your insurance policy
Basic concepts
What is the difference between Personal Doctor and another health insurance policy?
With Personal Doctor, you choose your family doctor, who will be your trusted doctor and support and guide you at all times so that your relationship with medicine becomes more practical and efficient. You will be offered the best medical specialists according to your needs and the best personalised prevention plans to improve your health. You will have access to in-person consultations and tests, as well as via chat or video call 24/7. In addition, you won't have to worry about authorisations or appointments, as these procedures will be carried out by your health assistant.
What are Terms and Conditions?
It is a contract that includes the rights and obligations of DKV and the insured party or policyholder. It is also called “General Terms and Conditions” and “Special Terms and Conditions”.
Waiting Period
A waiting period is the period of time from the date the policy enters into force during which some cover does not take effect. You can consult the waiting period in your policy's general and particular conditions.
Previous conditions
The pre-existing condition is a health condition (e.g. pregnancy), alteration or organic disorder that existed before the time of the insurance was contracted, regardless of whether there is a medical diagnosis.
From when can I use my health insurance?
You can use your insurance and go to the doctor the day after you take out the policy, that is, from the first day it becomes effective. Except for some services that have a qualifying period, like surgery, hospitalisation, childbirth or transplants.
In which cases do I need authorisation from DKV to use the policy and how do I request it?
Procedures in your policy
Request authorisation
If you need to undergo a complex diagnostic test or any other act that requires authorisation from DKV, your personal health assistant will request it for you. You can contact your health assistant through the Personal Doctor app, where you will see the status of the authorisations.
Medical card
Your digital card is in the Personal Doctor app.
Your policy's contractual documentation
Your insurance documentation is in your Personal Doctor app, in the section My insurance.
View medical directory
In Personal Doctor, there is no document or section with the medical directory. If you need to visit a specialist, contact your doctor, who will suggest several options for an appointment and an in-person or virtual consultation. This way, you will not have to waste time searching among the more than 40,000 specialists included in the DKV medical directory.
Request a Telemedicine appointment by telephone call or videocall
If you need telematic assistance from a doctor, you can request it through your Personal Doctor app.
File a claim or complaint
Request the cancellation
Your doctor in your pocket
From the app, you will not only be able to contact your 'Personal doctor' and see your calendar of medical appointments, but you will also have access to all your medical information and history.
Monday to Friday from 9:00 am to 9:00 pm, except weekends and bank holidays
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Monday to Friday from 9:00 am to 9:00 pm, except weekends and bank holidays
Taking out a health insurance policy with DKV Seguros gives you access to multiple discounts and benefits in health and wellness services for your whole family.
Registering in the DKV Club Salud y Bienestar is free and gives you access to different discounts on various services; we have a vast network of brands and professionals.
With DKV Club Salud y Bienestar enjoy various offers in the services: price discounts, reduced prices, a one-month free app subscription, prize draws, and more!