Health insurance without copayments

Choose health insurance without copayments if you're going to use it frequently

  • Fixed fee, no charge for each visit or medical test.

  • Your price will not increase based on your use of the insurance policy.

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Why choose health insurance without copayments?

Fixed premium

Don't worry about the number of visits to the doctor or unexpected expenses.

DKV medical directory

+ 51,000 profesionales médicos a tu disposición y 93 de los 100 mejores hospitales del país.

Contact a doctor on your mobile phone

Unlimited virtual consultations with specialists by video call and chat.

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 without copayment

Price for 8 family members

DKV Famedic Plus
The most affordable health insurance, in which you can include up to 8 family members for the same price.

Without copayment

Take it out for just

€25.50/month

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Further information

  • Reduced medical directory

    Medical centres in the DKV Famedic network.

  • Primary care

    General medicine, nursing and paediatrics.

  • 7 medical specialities

    General medicine, nursing, paediatrics, gynaecology (including an annual check-up), ophthalmology, dermatology and traumatology.

  • 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 the 7 specialities covered, 24h medical chat, electronic prescription and health folder.

  • Dental policy included

    47 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.

  • 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.

  • Without copayment

    All included in your payment. €0 General medicine, paediatrics, nursing and specialities.

DKV Élite Personal Doctor
Health insurance with a personal doctor and a health assistant to manage all your procedures.

Without copayment

Take it out from 38.00 €/mes

29.00 €/mes

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Further information

  • 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.

  • Primary care

    General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.

  • 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.

  • 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.

  • Without copayment

    All included in your payment. €0 General medicine, paediatrics, nursing and specialities.

DKV Premium Élite Personal Doctor
Health insurance with a personal doctor and a health assistant to manage all your procedures.

Without copayment

Take it out from 57.00 €/mes

42.00 €/mes

Calculate your insurance
Further information

  • 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.

  • Primary care

    General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.

  • 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.

  • 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.

  • Without copayment

    All included in your payment. €0 General medicine, paediatrics, nursing and specialities.

The best-selling policy
DKV Integral Élite
The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.

Without copayment

Take it out from 56.00 €/mes

39.00 €/mes

Calculate your insurance
Further information

  • 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.

  • 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.

  • 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.

  • Without copayment

    All included in your payment. €0 General medicine, paediatrics, nursing and 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 with copayments

If you're not going to use the insurance frequently and want a more economical premium, choose a health insurance with copayments.

Further information

Medical directory insurance policies

Más de 51,000 especialistas, pruebas diagnósticas, cobertura dental, asistencia en el extranjero y videoconsultas ilimitadas.

Further information

Reimbursement health insurance

If you are travelling abroad or if you have reference specialists who are not in the associated medical directory, you need a reimbursement health insurance.

Further information

Frequently asked questions about health insurance without copayments

We answer the most frequently asked questions about insurance without copayment

 

With health insurance without copayment, you will pay a fixed monthly premium, regardless of how many times you use the insurance, visit a specialist or take medical tests.

 

Health insurance without copayment is a policy where the customer pays a fixed premium, with no additional costs, regardless of how many times they use the agreed services, visit the specialist or have treatment or take diagnostic tests. 

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.
 

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Calculate your insurance without copayments