What is the mixed reimbursement insurance with excess?

The mixed reimbursement of costs insurance with excess is an option that combines the advantages of the affiliated medical directory with the freedom to visit any professional or health centre, both in Spain and abroad.

It also offers a reimbursement with excess system, allowing the cost of the insurance to be adjusted to the insured person's needs.
 

How does this type of insurance work?

With mixed reimbursement insurance you can choose between:

• Accessing the DKV medical directory, without copayment and without the need to pay money in advance.

• Visiting any doctor or centre outside the directory, in Spain and abroad. In this case, the insured person pays for the consultation or treatment directly, and can then request reimbursement from the insurer.

Reimbursement may be partial or total, depending on the medical speciality and the limits established in the policy.
 

What is the excess in this insurance?

In this context, the excess is a fixed amount that the insured person pays for certain medical procedures. That is, instead of paying a copayment for each service, an annual or per-service amount is established for the customer to pay, and from this amount the reimbursement begins to apply.

This allows you to reduce your premium without sacrificing comprehensive and flexible medical coverage.
 

What does mixed reimbursement insurance with excess cover?

The main cover includes:

• Medical consultations and specialists

• Diagnostic tests and hospitalisation

• Surgical operations

• General medicine and paediatrics

• Special treatments and therapies

• Emergencies abroad

Each medical procedure has a maximum reimbursement limit, which can vary according to the type of service and plan taken out.
 

Who is this insurance for?

Mixed reimbursement insurance with excess is designed for:

• People who want the freedom to choose their doctor, even outside the medical directory.

• Customers who regularly travel abroad and want international coverage.

• Users who prefer insurance with an excess instead of copayments, to better control their annual costs.
   

Does this insurance cover treatments abroad?

Yes. One of the main advantages of the mixed reimbursement of costs insurance with excess is that it offers international coverage. You can receive medical care outside of Spain and request reimbursement according to the terms of your policy.