How and how much does the insurance go up every year?
With each insurance contract renewal, at 31 December, the company may modify the annual premium and the costs for medical acts taking as a base the technical actuarial calculations.
The premium for each insured person is calculated according to the following objective risk factors: la edad y la zona geográfica de residencia, aunque también intervienen otros factores como el incremento del coste asistencial y las innovaciones tecnológicas médicas que se incorporen a las coberturas.
In the case of collective policies, the result of the group and the number of layers of premiums applied will also be taken into account in the renewal of contracts.
You can see the current premiums of any health product in its individual modality on our website and at any DKV Seguros branch..
En cualquier caso, se aplicarán las tarifas que DKV Seguros tenga en vigor en la fecha de renovación. Besides the case indicated in the previous paragraph, the premiums due may also vary depending on the age and other personal circumstances of the insured persons.
En el seguro de modalidad colectiva, en algunos tramos se podrán establecer grupos de edad. Similarly, the premiums may change due to variations in the structure of the insured group. When the insured person reaches, during the course of the insurance policy, an actuarial age understood to belong to another group, the corresponding premium for the new age group will be applied in the following annual renewal.
El tomador del seguro podrá optar entre prorrogar el contrato o extinguirlo al vencimiento del periodo del seguro en curso cuando reciba la comunicación de DKV Seguros relativa a la variación de la prima para la siguiente anualidad. En este último caso, el tomador debe comunicar por escrito a DKV Seguros su voluntad de finalizar la relación contractual, al término de la misma y con un mes de antelación.
Unlike other companies, in the individual modality, DKV guarantees that your use of the insurance policy will not constitute grounds for cancelling the policy.

Why choose health insurance with DKV?
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More than 51,000 medical practitioners and 1,000 healthcare centres.
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Unlimited video consultation and 24h medical chat.
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Online procedures: authorisations, appointments, access to reports, etc.
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Different options for choosing your insurance according to the cover you need.
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Take out your insurance policy online.