Health insurance with refund of expenses
Freely choose your doctor and hospital inside or outside the medical directory
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Visit any specialist or centre in the world.
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Quick medical expense management and reimbursement from the app.
Why choose reimbursement insurance with DKV?
Freedom to choose
Choose the doctor and centre you want around the world.
Fast reimbursement
Committed to providing the reimbursement in less than 7 days.
Procedures through the App
Request the reimbursement of medical expenses via the app, directly with an image.
Contact a doctor on your mobile phone
Unlimited video consultations with specialists and 24h chat, wherever you are.
What medical insurance with reimbursement includes the cover and services I need?
Compara las coberturas de nuestros seguros médicos de reembolso
All the details to make it easier for you to choose your reimbursement insurance
Waiting periods, reimbursement limits and insurance modalities
Waiting periods
With DKV medical expense reimbursement insurance, you can use most services from day one, although some coverages require a minimum time before you can use them.
Click to see which coverages have a waiting period and how long you have to wait.
Hay coberturas que no podrás usar el primer día, como:
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Transplants: 12 months
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Surgical procedures, hospitalisation and prostheses: 8 months
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Childbirth (except for premature deliveries or C-sections): 8 months
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Outpatient surgical procedures and acts: 6 months
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High-tech diagnostics: 6 months
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Biomechanical gait analysis: 6 months
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Proton therapy in paediatric tumours: 8 months
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Healthcare for HIV/AIDS: 12 months
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Psychotherapy sessions: 6 months
Reimbursement limits and modalities
With DKV reimbursement insurance, you can go to the doctor or specialist of your choice, both within and outside the medical network, and request reimbursement of part of the cost, according to the option taken out.
Click to see the available options and their differences.
The reimbursement limits and percentages vary according to the selected option:
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DKV Mundisalud Complet: overall limit of €62,000. Reimbursement of 80% in Spain and 90% abroad.
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DKV Mundisalud Classic: overall limit of €237,000. Reimbursement of 80% in Spain and 90% abroad.
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DKV Mundisalud Élite: overall limit of €310,000. Reimbursement of 90% in Spain and 90% abroad.
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DKV Top Health: with no reimbursement limit. Reimbursement of 100% in Spain and abroad.
Are you looking for another type of insurance?
We have designed insurance to cover your and your family's needs according to your finances, lifestyle and use you are going to give the health insurance.
Medical directory insurance policies
More than 51,000 medical professionals available to you, plus diagnostic tests, dental cover, assistance abroad and unlimited video consultations with specialists.
Insurance without copayments
Choose health insurance without copayments if you are going to use your insurance frequently, with a fixed monthly payment regardless of its use.
Frequently asked questions about reimbursement health insurance
We resolve your most frequent queries about reimbursement insurance
Reimbursement health insurance is a type of health insurance policy that reimburses expenses and allows the insured person to freely choose the doctor or medical centre they want to visit, even if not part of the DKV affiliated medical directory. The insured person pays for the service directly, and can then request reimbursement from the insurer.
If you take out a reimbursement health insurance policy, DKV will reimburse your costs depending on the limit you have taken out and within 7 days.
With reimbursement health insurance, you can freely choose your doctor or health centre, even if they are not part of the DKV affiliated medical directory.
With DKV reimbursement insurance, you have complete freedom to choose your preferred specialist or medical centre. You can visit your doctor or centre of choice anywhere in the world.
DKV offers various reimbursement insurance options so you can choose the best plan for your needs:
DKV Mundisalud reimbursement insurance: an insurance policy that offers you different options and reimbursement limits. See details of DKV Mundisalud insurance.
DKV Residentes reimbursement insurance: an insurance policy designed for German nationals resident in Spain, we will reimburse 100% of your medical expenses in Germany. See details of DKV Residentes insurance.
DKV Top Health reimbursement insurance: A reimbursement health insurance policy unlike any other on the market, reimbursement of 100% of expenses. See details of DKV Top Health insurance
The reimbursement limits can vary according to the type of insurance and plan taken out. Below, we will show you the details of our reimbursement insurance, so that you can see the specific limits of each one.
Do you need help?
If you are thinking about taking out an insurance policy and you have questions, we will answer them in the way you choose.
