Insurance with a Personal doctor, DKV Personal Doctor
With all the cover of a comprehensive health insurance policy and the reassurance of having a personal doctor.
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A personal doctor and a personal paediatrician for your children.
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Your personal doctor will guide you when it comes to visiting other specialists.
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And a healthcare assistant will help you process your authorisations and medical appointments.
Buy now with a 30% discount.
Discounts for 5 years.
What is DKV Personal Doctor insurance?
You will have a family doctor always by your side, who will treat you in a fully personalised and friendly way and who you can contact whenever you need to, from the Personal Doctor app.
Health consultations, preventive plans and referral to specialists.
They will process authorisations and medical appointments.
Your doctor will guide and advise you whenever you need to go to a specialist.
Medical consultations, chat with the healthcare assistant, management of your health and insurance.
With all the cover and services of a comprehensive health insurance and a personalised treatment.
All the details about DKV Personal Doctor
Cover and services
With Personal Doctor, we offer you personalised medical care.
Your relationship with medicine will be more personalised and efficient. You will be able to choose a personal doctor to help you at all times and refer you to the specialist you need. They will have all your history at hand to offer you advice and preventive plans.
Cover and digital services
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Your Personal doctor
They will be available whenever you need them from the Personal Doctor app. They will carry out an initial diagnosis, monitor your health, design a preventive plan with you and refer you to medical specialists.
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Personal paediatrician
They will monitor your children from their birth to 15 years of age. You may consult any symptom, and they will monitor their growth and health.
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24h Medical Team
Whenever your Personal doctor is not available, another medical professional on their team will assist you, who will have your history available.
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Chat or video call with specialists
You will have access to a specialist by phone, video call or chat, prior referral from your Personal doctor, without limit of consultations.
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Health assistant
An adviser for processing authorisations and in-person appointments with medical specialists.
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Electronic prescriptions
Request your online prescriptions from the Personal Doctor app.
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Health folder
Digital medical history and appointments schedule.
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Preventive medicine
Personalised preventive medicine, with the follow-up and guidance of your own personal doctor.
In-person services and cover
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Primary care
General practice, paediatrics, nursing services and 24-hour medical emergencies.
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All the medical specialities
In-person consultations with specialists, prior referral from your Personal doctor: cardiology, dermatology, traumatology, gynaecology, oncology, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation (available in the Premium modality)
Hospital admission and stay.
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Annual general medical check-up
In a single appointment: physical consultation and examination, as well as analytical, cardiological, auditory and ophthalmological tests. Medical guidance following results.
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Dental coverage
More than 50 free services and the rest with large discounts.
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Psychology
20 sessions and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions!
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Worldwide travel assistance
You will have up to €30,000 for emergency medical assistance on journeys abroad of up to 180 days.
What health insurance do you need?
Compare the cover of insurance with personal doctor service.
20% disc.
Personal Doctor
Élite
Insurance with a personal doctor and a nurse to manage all your procedures.
WITHOUT COPAYMENT
Take it out from €25/month
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Extensive medical directory
Medical directory ALWAYS guided by your Personal Doctor, who will refer you to any of the 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder.
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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
20 sessions/year and 40 sessions for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
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Worldwide medical assistance when travelling
Up to €20,000 on journeys of up to 180 days.
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My 'Personal doctor' and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Without copayment
All included in your payment. €0 General medicine, paediatrics, nursing and specialities.
UP TO 30% Disc.
Premium Classic Personal Doctor
Insurance with a personal doctor and a nurse to manage all your procedures.
WITH LOW COPAYMENT
Take it out from €30/month
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Extensive medical directory
Medical directory ALWAYS guided by your Personal Doctor, who will refer you to any of the 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
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Surgery and hospitalisation
Hospital care for medical or surgical treatment.
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Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder.
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Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
20 sessions/year and 40 sessions for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
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Podiatry, physiotherapy and rehabilitation
No limit on sessions.
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Worldwide medical assistance when travelling
Up to €20,000 on journeys of up to 180 days.
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My 'Personal doctor' and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
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Health assistant
An adviser for processing authorisations and medical appointments.
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Low copayment
The copayment is the amount of money you have to pay every time that you use your health insurance. €2.30 general medicine, paediatrics and nursing. €3.50 in other specialities.
UP TO 30% Disc.
Premium Élite Personal Doctor
Insurance with a personal doctor and a nurse to manage all your procedures.
WITHOUT COPAYMENT
Take it out from €33/month
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Extensive medical directory
Medical directory ALWAYS guided by your Personal Doctor, who will refer you to any of the 51,000 specialists and 1,000 medical centres in Spain.
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Primary care
General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.
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Medical specialities
Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.
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Diagnostic tests
Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.
-
Surgery and hospitalisation
Hospital care for medical or surgical treatment.
-
Video consultations and chat
Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder.
-
Dental policy included
50 free treatments and the rest with major discounts.
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Psychology
20 sessions/year and 40 sessions for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.
-
Podiatry, physiotherapy and rehabilitation
No limit on sessions.
-
Worldwide medical assistance when travelling
Up to €20,000 on journeys of up to 180 days.
-
My 'Personal doctor' and paediatrician
Your guide and adviser, with whom to arrange health consultations via video call and chat and who will refer you to specialists when you need it.
-
Health assistant
An adviser for processing authorisations and medical appointments.
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Without copayment
All included in your payment. €0 General medicine, paediatrics, nursing and specialities.
Waiting periods, copayments and modalities
Clear language so you can choose the type of insurance without hesitation
Waiting periods
With DKV Personal Doctor, you can use all the medical services and cover from day one, except:
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Transplants: 12 months
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Surgical procedures, hospitalisation and prostheses: 8 months
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Childbirth (except for premature deliveries or C-sections): 8 months
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Outpatient surgical procedures and acts: 6 months
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High-tech diagnostics: 6 months
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Biomechanical gait analysis: 6 months
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Proton therapy in paediatric tumours: 8 months
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Healthcare for HIV/AIDS: 12 months
Copayments and modalities
A copayment is a small amount that you pay when you use a health insurance. It varies according to the type of insurance and the medical speciality.
Choose the modality that best suits you:
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With high copayment: Complet (€13.50 consultation general medicine and €23 other specialities)
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With low copayment: Classic (€2.30 general medicine consultation and €3.50 other specialities)
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No copayment: Élite (€0, all included)
What is the difference between Personal Doctor and a traditional health insurance policy?
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Traditional health insurance |
Personal Doctor |
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Your "Personal doctor" whenever you need it |
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Personal paediatrician for children under 15 years of age |
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Initial evaluation of the patient with your "Personal doctor" |
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Help in processing authorisations and medical appointments. |
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Medical directory guided by your "Personal doctor" |
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In-person and virtual consultations with specialists |
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Diagnostic and analytical tests |
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Surgery and hospitalisation |
Only in the premium modality |
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Dental coverage |
Terms and conditions of the contract
Any insurance policy must start with a commitment
The highest in the market. Until the age of 75.
We will not cancel the contract if you have been with us for three years.
7% discount if there are 4 insured people, and 12% if there are 5 or more.
7% disc. for yearly payment, 4.6% for half-yearly payment and 2.8% for quarterly payment.
Download the documentation
Information on DKV Personal Doctor policy
How does DKV Personal Doctor work?
Choose your doctor
Become a customer, download the Personal Doctor app, choose your Personal doctor and schedule a first appointment.
Connect your health
Add your health details so that your Personal doctor can prepare a prevention plan.
Get answers to your questions
Contact your Personal doctor from the app whenever you need to. They will refer you to a specialist.
Download the DKV Personal Doctor app!
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Contact your Personal doctor by chat or video call.
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Health folder with your medical history, prescriptions and medical card.
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24h emergencies by telephone, chat or emergency medical centre search engine.
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Chat with your healthcare assistant: authorisations and processing of appointments.
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Access all your insurance's information.
Other insurance you might be interested in
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Funeral insurance
DKV Protección Familiar
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Do you need help?
If you are thinking about taking out the DKV Personal Doctor insurance policy and you have questions, we will answer them in the way you choose.
Visit your nearest agent
Call us
We'll call you FREE OF CHARGE
Frequently asked questions about DKV Personal Doctor health insurance
We answer the most frequently asked questions about DKV Personal Doctor health insurance
How does the "Personal doctor" assist you?
You can contact your "Personal doctor" by video call or chat via the Personal Doctor app in the "Medical care" section. You can decide to speak immediately or schedule an appointment for a later date:
- If you only want to talk to your Personal doctor, schedule an appointment so they assist you directly.
- If you need immediate medical care, you can open the chat whenever you need it and your Personal doctor will assist you; if they are not available, someone on their team will assist you.
If you have any questions, watch the following video.
What can the "Personal doctor" help me with?
Your "Personal doctor" is a trustworthy healthcare professional who works continuously and in a personalised way to ensure an optimum health. You can consult them whenever you want to clear up any doubts or concerns you may have. In addition, they will guide you to arrange a face-to-face consultation with a reference specialist in your city/town.
What happens if my doctor is not available?
Another doctor on their team will assist you, who will have access to your medical history.
If I schedule a virtual consultation with my doctor, will they contact me directly?
Your "Personal doctor" will contact you at the time you scheduled the consultation. If you want to contact them without having scheduled an appointment, the consultation will start within five minutes of requesting it.
What is the healthcare assistant's function? What can they help me with?
Your healthcare assistant will provide you support and take care of the procedures you need, either to request an appointment in medical centres or facilitate the authorisation process.
In addition, you will have a chat service or "wall" available (in the "help" section of the app's home page and in the "My insurance" section) to ask any question you may have in relation to managing your insurance. Your health queries will be directly answered by your "Personal doctor".
If you have any questions, watch the following videos: