DKV Residentes, reimbursement health insurance
Health insurance with financial coverage for medical expenses incurred for foreigners resident in Spain
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Go to any doctor in Spain, part of the DKV directory or not, and we will fully reimburse the expenses.
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You can optionally take out medical cover in Germany.
Take it out now with up to a 30% discount
Discounts for 5 years.
All the advantages of your reimbursement medical insurance for residents in Spain
Why choose DKV Residents?
We will reimburse 100% of the medical expenses in Spain.
You can take out a modality that provides you medical care in Germany.
Reimbursement of medical expenses within 7 days from an app.
Dental treatments included at no additional cost
Request information
You will be contacted by an expert to provide you with information on our insurance policies.
What does DKV Residentes insurance offer?
All the details about DKV Residentes
Cover and services
Medical insurance for foreign residents to receive healthcare in Spain and in Germany.
With this comprehensive insurance, which also includes cutting-edge diagnostic tests, interventions, hospitalisation and dental services, enjoy a full reimbursement of expenses. So you feel at home.
Included cover
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Primary care
General practice, paediatrics, nursing services and 24-hour medical emergencies.
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All the medical specialities
Cardiology, dermatology, ophthalmology, traumatology, gynaecology, neurology, oncology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Hospitalisation and surgery
Hospital admission and stay.
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Annual general medical check-up
In a single appointment: physical consultation and examination, as well as analytical, cardiological, auditory and ophthalmological tests. Medical guidance following results.
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Dental coverage
Full reimbursement of expenses at DKV affiliated centres and up to 80% when non-affiliated (max. €3,000/year).
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Psychology
20 sessions and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions!
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Worldwide travel assistance
You will have up to €30,000 for emergency medical assistance on journeys abroad of up to 180 days.
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Reimbursement of pharmacy expenses
Up to €1,000 euros/year in medication.
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Reimbursement of auxiliary means
Wheelchairs, CPAP, etc. (Up to €1,800).
Health services
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Fast and agile reimbursement
Reimbursement of bills as soon as possible, within 7 days, and through the app.
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24h video consultation and medical chat
Talk to a doctor via call, video call or chat, as well as chat with a health coach to improve your lifestyle and with a midwife if you are pregnant or just gave birth to a baby.
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Medical helplines
24-hour general medicine, 24-hour paediatrics, pregnancy, women's health, nutrition, psychoemotional or sports health.
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Nutritionist
Nutritionist, 20 sessions per year, for the treatment and management of obesity.
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Biomechanical gait analysis
An analysis every five years for adults and every two years for children under 15 years old in Podoactiva centres.
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Latest technology in medicine
Access to the most advanced diagnostic techniques and procedures, such as the Da Vincci robotic surgery, 3D colonoscopy and 3D/4D ultrasound.
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Preventive care programmes
We help you improve your health condition: early detection of diabetes; child health; oral health; glaucoma; women's cancer; prostate, colorectal and skin cancer; and coronary risk prevention.
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DKV Club de Salud y Bienestar discounts
You will have access to the entire catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.
Optional cover
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Repatriation to Germany in the event of death
In the event of death, we guarantee the repatriation of the insured person from the place of death in Spain to the international airport in Germany closest to the place of burial (up to €6,000).
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Reimbursement cover in Germany
Healthcare in Germany for a maximum of 100 days, full reimbursement of expenses.
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Best Care Service
Assistance in Germany by a renowned specialist, in a short period of time; compensation of €500 in the event of a claim; and if the deadlines are not met, a compensation of €500 will be paid.
Waiting periods
With DKV Residentes, you can use all the medical services and cover from day one, except:
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Hospitalisation and surgical procedures (including prostheses): 6 months
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Biomechanical gait analysis: 6 months
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Childbirth (except for premature births): 8 months
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Transplants: 12 months
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Dental prostheses and maxillary orthopaedics: 8 months.
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Best Care: 3 months.
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Assisted reproduction techniques (individual modality): 48 months
Modalities
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Basic modality: healthcare in Spain (DKV medical directory and reimbursement of 100% of expenses at non-affiliated centres)
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Modality with additional cover: healthcare in Spain, repatriation in the event of death in Germany, full reimbursement cover in Germany for a maximum of 100 days and Best Care service.
Terms and conditions of the contract
Any insurance policy must start with a commitment
The highest in the market. Until the age of 75.
We will not cancel the contract if you have been with us for three years.
7% discount if there are 4 insured people, and 12% if there are 5 or more.
7% disc. for yearly payment, 4.6% for half-yearly payment and 2.8% for quarterly payment.
Download the documentation
Information about DKV Residentes insurance
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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.
Visit your nearest agent
Call us
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Conditions of price from*
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Price from DKV Residentes: Calculation for a 9-year-old person.
The premiums are valid during the campaign period.