Health insurance with copayments
Choose health insurance with copayments if you're not going to use it frequently
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You will pay a more economical premium.
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You will pay a small amount whenever you use the medical service.
Why choose health insurance with copayments?
Economical premium
Your monthly payment will be lower, and you will pay an amount extra when you visit a doctor.
Extensive medical directory
+ 51,000 profesionales médicos a tu disposición y 93 de los 100 mejores hospitales del país.
Types of modalities
You can choose between a high or low copayment, which differs in the price of medical services.
Free dental cover
Several treatments at no additional cost and others with major discounts.
What medical insurance includes the cover and services I need?
Compare the cover of our health insurance policies with copayment
Up to 35% off
DKV Profesional Classic
Made-to-measure health insurance. Take out the cover you need and personalise your insurance.
Low copayment
Take it out from €10/month
€8/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Only if you take out the specialists module. Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Only if you take out the specialists module. Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Only if you take out the hospitalisation module. Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
Only if you take out the specialists module. 20 sessions/year 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
Only if you take out the specialists module. No limit on sessions.
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Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My Personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Low copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €2.30 general medicine, paediatrics and nursing. €3.50 in other specialities.
Up to 35% off
DKV Integral
Complet
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
High copayment
Take it out from €26/month
€17/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
20 sessions/year 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 medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My Personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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High copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €13.50 general medicine, paediatrics and nursing. €23 in other specialities.
30% off
Premium Classic Personal Doctor
Insurance with a personal medical service and a health assistant to manage all your procedures.
Low copayment
Take it out from €51/month
€36/month
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Extensive medical directory
Medical directory ALWAYS guided by your Personal Doctor, who will refer you to any of the 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder.
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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
20 sessions/year 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 medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My Personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
-
Health assistant
An adviser for processing authorisations and medical appointments.
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Low copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €2.30 general medicine, paediatrics and nursing. €3.50 in other specialities.
The best-selling policy
Up to 35% off
DKV Integral
Classic
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.
Low copayment
Take it out from €51/month
€33/month
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Extensive medical directory
More than 51,000 specialists and 1,000 medical centres in Spain.
-
Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
-
Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
-
Surgery and hospitalisation
Hospital care for medical or surgical treatment.
-
Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.
-
Dental policy included
50 free treatments and the rest with major discounts.
-
Psychology
20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Worldwide medical assistance when travelling
Up to €30,000 for journeys of up to 180 days, in the event of an emergency.
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My Personal doctor and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
-
Health assistant
An adviser for processing authorisations and medical appointments.
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Low copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €2.30 general medicine, paediatrics and nursing. €3.50 in other specialities.
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.
Insurance without copayment
Seguros médicos con una cuota fija al mes independientemente del uso que le des, o las veces que visites un especialista.
Medical directory insurance policies
Más de 51,000 especialistas, pruebas diagnósticas, cobertura dental, asistencia en el extranjero y videoconsultas ilimitadas.
Frequently asked questions about health insurance with copayments
We answer the most frequently asked questions about insurance with copayment
A health insurance policy with copayment is a policy in which customers pay a fixed premium for their health insurance, as well as a variable amount, which depends on how often they use their insurance.
The fixed amount for health insurance with copayment is usually lower, so copayment insurance is an interesting option for those who do not use health insurance much.
At DKV, the copayment varies according to the insurance plan you take out (Complet, Plus, Classic or Élite)
At DKV, the copayment varies according to the insurance modality you choose. Below we will show you the different copayment options available at DKV, so that you can choose the one that best suits your needs:
High copayment (Complet plan): €13.50 general medicine consultation and €23 other specialities.
Medium copayment (Plus plan): €6.90 general medicine consultation and €11 other specialities.
Low copayment (Classic plan): €2.30 general medicine consultation and €3.50 other specialities.
No copayment (Élite plan): €0, all included in your premium.
A copayment is a charge you have to pay when visiting the doctor or undergoing a treatment or diagnostic test. The copayment is added to your fixed insurance premium whenever you incur an extra cost that is not included in your insurance. The copayment will be associated with the insurance bill, depending on the contract.
Bills can be monthly, quarterly, half-yearly or annual, depending on the payment method you have. The copayment will be associated with the insurance bill, depending on the contract.
The maximum copayment per insured person/year is 600 euros. Once this amount is reached, the insured person will not have to pay any type of copayment.
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.
