Health insurance

If you are not sure whether to take out a health insurance or not, we will briefly explain the advantages you will enjoy if you do:
 

• Immediate attention and short waiting lists.

• A wide range of medical centres and specialists. You will have complete freedom to choose the specialist that you need or that best suits you within our extensive medical directory.

• Choose the hospital.

• Short wait for diagnostic tests. Below the average time of the public health service.

• Cover abroad, medical, surgical, pharmacy, hospitalisation and ambulance costs abroad (€20,000 limit).

• Differential cover, such as dental insurance, which we include free in our health insurance.

Fast and simple! Take out any of our health insurance policies 100% online through our website; it will only take 5 minutes:
 

• Calculate your price without any strings attached.

• Fill in your personal details and those of who you want to insure.

• Confirm your details: check that all your details are correct.

• Make the payment.

We will give you your insurance number and send you a confirmation email so that you can enjoy all the advantages offered by your DKV health insurance from day one.
 

We also offer you a service to help you take out the insurance online; call free of charge 876 147 077, and we will answer any query.
 

You can also take out our health insurance by visiting any of our sales branches and/or offices.

In most cases, a health insurance policy lasts one year and is renewed automatically at the end of that period, unless the insured person or the insurer indicates otherwise.
 

We explain how the health insurance policy duration works, when it expires and the renewal process.

Health insurance with copayment is a policy in which customers pay a fixed amount for their insurance, either monthly or yearly, and a variable amount, which depends on how often they used the insurance during the month.
 

In addition, according to the conditions of the policy, customers will pay the money separately, each time they go to the doctor or the company will include the additional amount in the monthly bill.
 

If you do not visit the doctor regularly and choose an insurance policy with copayments, the final disbursement will be much lower than a policy without copayments. This makes it a good option for people who don't use their policy often.
 

At DKV, the copayment varies according to the insurance modality you choose.

For example, in the DKV Integral medical directory insurance you can choose between the following:

• With high copayment: Complete. For example, general medicine, paediatrics and nursing, €13.50. If another specialist is required, €23

• With low copayment: Classic. For example, general medicine, paediatrics and nursing, €2.30. If another specialist is required, €3.50

• Without copayment: Élite 

The copayment modalities we offer allow you to adjust the price of your insurance even more to what you are prepared to pay and to how you believe you will use it, giving you the possibility of choosing between several options.

The waiting period is the length of time set in the contract, from the date the policy enters into force, during which part of the cover included in the policy guarantees does not take effect.

This period is calculated by months, counting from the effective date of the policy for each of the insured persons included in it.

Most provisions covered by the insurance have no waiting periods, so you can use them from day one, except for the following:
 

• Transplants: 12 months

• Surgical procedures, hospitalisation and prostheses: 8 months

• Childbirth (except for premature deliveries or C-sections): 8 months

• Outpatient surgical procedures and acts: 6 months

• High-tech diagnostics: 6 months

• Biomechanical gait analysis: 6 months

• Proton therapy in paediatric tumours: 8 months

• Healthcare for HIV/AIDS: 12 months

• Psychotherapy sessions: 6 months

DKV also offers you other insurance policies with additional cover, which may have an additional waiting period.