If you are thinking of taking out health insurance it is very likely you'll have a lot of questions and will need personal advice to help you find the answers you're looking for.
An insurance contract is the same as any other contract you might have entered into, such as a home insurance contract, a car insurance contract, etc.
The first thing you should know is that an insurance contract is the document containing the general terms and conditions of the insurance policy you are going to take out.
Documents included in the insurance contract
The insurance contract includes the insurance application, statement of health, particular terms and conditions, supplements and appendices and, where applicable, the special terms and conditions.
The terms and conditions of the insurance contract
The ‘general terms and conditions’ and/or ‘particular terms and conditions’ group together the rights and obligations of DKV Seguros and those of the insured person or the person that takes out the insurance policy.
Documents that are delivered when you take out an insurance policy
The general and particular terms and conditions, your DKV MEDICARD card and information about the medical directory or "DKV Network of Healthcare Services". The insured person must check that all their personal details are correct and have been updated. If this is not the case, they must contact DKV Insurance to make any necessary amendments.
Once the information indicated in the above paragraph has been received, the insured person must sign the particular and general terms and conditions, save a copy of them and send DKV Seguros the other copy.
By submitting the duly signed insurance contract documents and paying the initial premium, you agree to enter into the contract.
Even if a start date is stipulated in the particular terms and conditions, the policy will only enter effect when the requirements to sign the contract and pay the premium have been met.
If, following this explanation about the insurance contract, you need more information to set your mind at ease and to take out health insurance with DKV Salud, please contact us and we will be delighted to be able to offer you all the assistance you need.