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
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.
