How to take out insurance

Online contracting

Once you have decided to take out health insurance, the next step is to find out what different companies offer and choose the policy that suits you best

As the offer changes a lot, and a snapshot of the health insurance sector today could be completely obsolete in a few days, we will focus on the different channels through which you can get updated information to help you choose one product over another.

Branch or delegation

All insurance firms have branches where you can go to ask questions and get advice on the type of policy that best suits your individual or family needs.

Currently, in this digitised world, perhaps you are used to contracting services online, but visiting a branch or delegation of an insurance firm in person offers you the chance to get personal treatment, which is a real plus when it comes to topics related to your health and that of your family.

If you decide to do this, bear in mind that you need to visit the branches of all the insurance firms you are interested in taking out a policy with or getting more information on.


A simple solution, which does not involve going from one branch to the next, and which gives you all the information in a single click, is to visit the websites of the insurance firms. If you find a product you like, you can contract it there and then.

Many companies offer discounts if you take out a policy online. The low maintenance costs of websites means that companies can apply a certain discount.


Health insurance, just like any other insurance you take out throughout your life, is just another product on the market, like books and clothes might be. Normally, we do not purchase these products, books and clothes, straight from the manufacturer, but rather go to a store; an intermediary.

In the case of insurance, there are also intermediaries who can help us take out the best insurance for our needs.

There are two types of mediators, depending on whether they work exclusively for one company or for several:

  • Brokers: An individual or legal person who works with multiple companies, with a qualification and prior authorisation from the Directorate-General for Insurance, who is legally obliged to offer products from at least three different companies.

  • Exclusive agents: As the name indicates, they work for just one company.

Both are committed to offering truthful and sufficient information, and are still one of the preferred options of future customers given the personalised assistance they offer.

Calculate your medical directory insurance

Are you looking for health insurance and you don't know which one is suited to your needs? Compare the different modalities based on the coverage included in each health insurance.

Your postal code must consist of five digits
Fill in your phone number. Remember that it must consist of 9 digits. For example, "123 456 789"
Delete insured person Add insured person
Accept the reception of information about the DKV Seguros Group's products (including electronically). Consultations privacy policy
Taking out insurance by phone

Calculate and take out your insurance

Call us with no strings attached at 876 14 70 77

Telephone procedures
DKV 24-hour doctor

Medical advice helplines

Video consultation and chat with specialists
Video consultation and chat with specialists

Through our Quiero cuidarme Más app wherever you are

Dental coverage
Dental coverage

Our health insurance includes dental cover at no additional cost

Medical directory
Extensive medical directory

Over 40,000 healthcare professionals and 1,000 healthcare centres without waiting lists

You are a DKV customer

Please call us on:

900 810 072

Exclusive mutual society members

Please call us on:

900 810 073

You aren't a DKV customer