Medical directory health insurance

Take care of your own health and that of your family with our insurance

  • Direct access to our extensive medical directory.

  • Dental cover included.

  • Choose the modality that most interests you: basic insurance, health insurance with copayments or without copayments or economical health insurance.

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Why choose medical directory insurance with DKV?

Medical directory

+51,000 medical professionals at your disposal and 8 of the 10 best hospitals in the country.

Dental policy included

Several treatments at no additional cost and others with major discounts.

Contact a doctor on your mobile phone

Video consultations with specialists by video call and chat, midwife, coach and pharmacy.

Family savings

7% discount if you are 4 insured persons, or 12% if you are 5 or more.

 

What medical insurance includes the cover and services I need?

Compare the cover of our health insurance policies with medical directory

 
 

Price8 relatives

DKV Famedic Plus

The most affordable health insurance. Up to 8 family members for the same price.

 

Without copayment

Take it out for just

€25.50/month

 
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Further information

  • Reduced medical directory

    Medical centres in the DKV Famedic network.

  • Primary care

    General medicine, nursing, paediatrics.

  • 7 medical specialities

    General medicine, nursing, paediatrics, gynaecology (including an annual check-up), ophthalmology, dermatology and traumatology.

  • 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 the 7 specialities covered, 24h medical chat, electronic prescription and health folder.

  • Dental policy included

    47 free treatments and the rest with major discounts.

  • Psychology

    20 sessions/year and 40 sessions for people under 24 years old 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 €30,000 for journeys of up to 180 days, in the event of an emergency.

  • 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.

 
 

Up to 25% Disc.

DKV Profesional

Made-to-measure health insurance. Take out the cover you need and personalise your insurance.

 

With or without co-payment

Take it out from €10/month

€8/month

 
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Further information

  • Extensive medical directory

    More than 51,000 specialists and 1,000 medical centres in Spain.

  • Primary care

    General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.

  • Medical specialities

    Only if you take out the specialists module. Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.

  • Diagnostic tests

    Only if you take out the specialists module. Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.

  • Surgery and hospitalisation

    Only if you take out the hospitalisation module. Hospital care for medical or surgical treatment.

  • Video consultations and chat

    Unlimited video consultations with specialists, 24h medical chat, electronic prescription, health folder, health coach and digital midwife.

  • Dental policy included

    50 free treatments and the rest with major discounts.

  • Psychology

    Only if you take out the specialists module. 20 sessions/year and 40 sessions for people under 24 years old for eating disorders, school bullying, cyberbullying, work-related stress, and gender-based or domestic violence.

  • Podiatry, physiotherapy and rehabilitation

    Only if you take out the specialists module. No limit on sessions.

  • Worldwide medical assistance when travelling

    Up to €30,000 for journeys of up to 180 days, in the event of an emergency.

  • 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.

 
 

Up to 25% Disc.

DKV Personal Doctor

Insurance with a personal medical service and a health assistant to manage all your procedures.

 

With or without co-payment

Take it out from €22/month

€17/month

 
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Further information

  • 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.

  • Primary care

    General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.

  • Medical specialities

    Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.

  • Diagnostic tests

    Clinical analyses, X-rays, ultrasounds, magnetic resonances, CT scans, mammograms, endoscopies, etc.

  • Surgery and hospitalisation

    Only if you take out the Premium modality. Hospital care for medical or surgical treatment.

  • Video consultations and chat

    Unlimited video consultations with specialists, 24h medical chat, electronic prescription and health folder.

  • Dental policy included

    50 free treatments and the rest with major discounts.

  • Psychology

    20 sessions/year and 40 sessions for people under 24 years old 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 €30,000 for journeys of up to 180 days, in the event of an emergency.

  • 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.

 

The best-selling policy

Up to 35% off

DKV Integral

The most comprehensive medical directory insurance. Make sure you have the most convenient and fast healthcare.

 

With or without co-payment

Take it out from €24/month

€16/month

 
Calculate your insurance
Further information

  • Extensive medical directory

    More than 51,000 specialists and 1,000 medical centres in Spain.

  • Primary care

    General medicine, nursing, paediatrics, basic clinical analyses, emergencies and ambulances.

  • Medical specialities

    Cardiology, neurology, dermatology, ophthalmology, traumatology, gynaecology, oncology, endocrinology, psychiatry, etc.

  • 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, health coach and digital midwife.

  • Dental policy included

    50 free treatments and the rest with major discounts.

  • Psychology

    20 sessions/year and 40 sessions for people under 24 years old 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 €30,000 for journeys of up to 180 days, in the event of an emergency.

  • 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.

 

Waiting periods, copayments and modalities of medical directory health insurance

Clear language so you can choose the type of insurance without hesitation

Waiting periods

With medical directory insurance, you can use all the medical services and cover from day one, except:

  • Transplants: 12 months

  • Surgical procedures, hospitalisation and prostheses: 8 months

  • Childbirth (except for premature deliveries or C-sections): 8 months

  • Outpatient surgical procedures and acts: 6 months

  • High-tech diagnostics: 6 months

  • Biomechanical gait analysis: 6 months

  • Proton therapy in paediatric tumours: 8 months

  • Healthcare for HIV/AIDS: 12 months

  • Psychotherapy sessions: 6 months

Health insurance modalities and copayments

The copayment is the amount you have to pay when you use certain services depending on the insurance modality chosen. This amount will be added to the fixed payment based on the health insurance you choose. Remember that there are insurance policies in which the copayment is €0.

Health insurance policies with copayment have a lower monthly instalment and you pay a small amount when using a service, such as a medical test.

 

See copayments

Are you looking for another type of insurance?

We have designed insurance to cover your and your family's needs according to your finances, lifestyle and use you are going to give the health insurance

Reimbursement insurance

If you are travelling abroad or if you have reference specialists who are not in the associated medical directory.

Further information

Insurance without waiting periods

If you need to use the insurance from day one, with no limit on visits and treatments.

Further information
DKV death insurance

Funeral insurance

If you are looking for death insurance that accompanies your family with psychological support and repatriation to your city/town and/or country of origin.

Further information

Do you need help?

If you are thinking about taking out an insurance policy and you have questions, we will answer them in the way you choose.

 

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Visit your nearest agent

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Call us

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959 894 456
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Frequently asked questions about medical directory health insurance

We answer the most frequently asked questions about medical directory insurance

 

What is a medical directory insurance?

When we talk about medical directory insurance, we mean a type of health insurance that lets you access medical specialists and affiliated centres. DKV has a medical directory with more than 51,000 healthcare professionals and 1,000 affiliated centres available throughout Spain.

 

The DKV medical directory includes:

 

  • An extensive list of medical specialists, including dermatologists, cardiologists, surgeons, gynaecologists, neurologists, psychologists, etc.

  • In addition, DKV uses 8 of the 10 best hospitals in the country.

  • Access to DKV's 23 own centres: in our own medical centres, you will find spacious, bright, accessible and comfortable facilities, ensuring you feel at home.

  • You can view here the DKV medical directory

What does DKV's health insurance and medical directory cover?

To learn in further detail about the cover and services included in health insurance and the medical directory, it is important to go over the terms and conditions of each product. On our website, you have access to detailed information about the cover and services of each of our medical directory health insurance policies.

 

We offer you a wide range of health insurance policies so you can choose the one that best suits your needs. See all our information and choose the health insurance policy that suits you best.

What are the advantages of private health insurance?

If you are not sure whether to take out a health insurance or not, we will briefly explain the advantages you will enjoy if you do:

 

  • Immediate attention and short waiting lists.

  • A wide range of medical centres and specialists. You will have complete freedom to choose the specialist that you need or that best suits you within our extensive medical directory.

  • Choose the hospital.

  • Short wait for diagnostic tests. Below the average time of the public health service.

  • Cover abroad, medical, surgical, pharmacy, hospitalisation and ambulance costs abroad (€30,000 limit).

  • Differential cover, such as dental insurance, which we include free in our health insurance.

What is health insurance without copayment?

A health insurance policy with copayment is a policy in which customers pay a fixed amount for their insurance, as well as a variable amount, which depends on the times that they have used their insurance. 

 

The fixed amount for health insurance with copayment is usually lower, so copayment insurance is an interesting option for those who do not use health insurance much.

 

At DKV, the copayment varies according to the insurance modality you choose. Below, we will give you details of our health insurance policies with copayment and no copayment, so that you can choose the option you prefer:

 

See details of insurance policies with copayment

See details of insurance policies without copayment

 

What is health insurance without copayment?

A no-copay health insurance plan is one in which clients pay a fixed fee, regardless of how much they use their insurance or how many times they visit a specialist.

 

Choose health insurance without copayments if you are going to use it frequently. As a result, you will not have to pay any additional charge when you use your insurance.

 

See details of insurance policies without copayment

What discounts can I enjoy when taking out my health insurance with DKV?

Customers who take out health insurance with DKV can benefit from the following discounts, which may vary depending on the insurance policy:

 

  • Discounts according to the payment method: 2.8% (quarterly payment), 4.6% (half-yearly payment) and 7% (yearly payment).

  • Discounts according to the number of insured persons: 7% (four insured persons), 12% (more than four insured persons)

  • Discounts applicable based on the current promotion.

These discounts can be accumulated.

Do I have dental coverage in a DKV health insurance policy?

At DKV, you have dental coverage included in your health insurance: up to 50 dental treatments at no additional cost and others with great discounts. An added value compared to other companies. 

I have health insurance with another company and I want to change to DKV. do I have any advantages?

If you have health insurance with another company and you want to come to DKV, know that any waiting periods shall not be considered, provided that your current health policy has the same (or higher) cover than the one you are going to take out with us. If it has less cover, we shall eliminate the waiting periods in any similar cover, but we shall maintain them in the new cover of the insurance policy taken out.

With regard to waiting periods for pregnancy, they shall not be eliminated.

There must also be continuity between your current insurance policy and the new policy. That is, no more than 60 days can elapse from the date you leave the former company.

What is the duration of a life insurance policy?

We will explain to you how the duration of the health insurance policy works, when it expires and its renewal. 

 

View details here

Which specialists and medical centres can I go to?

With a medical directory health insurance, you can go to any doctor or hospital in our medical directory. We currently have more than 51,000 healthcare professionals and 1,000 centres available for you. In addition, DKV uses 8 of the 10 best hospitals in the country.

 

View our medical directory HERE.

Waiting periods, what are they? Do medical tests have a waiting period?

A waiting period is the time specified in the contract, which begins from the start of the insurance policy, during which some of the policy's coverage does not apply. This time is calculated in months from the date on which the policy begins to be valid, and is applied to each insured person.

 

With DKV, you can use all the medical services and cover from day one, except:

 

  • Transplants: 12 months.

  • Surgical procedures, hospitalisation and prostheses: 8 months

  • Childbirth (except for premature deliveries or C-sections): 8 months

  • Outpatient surgical procedures and acts: 6 months

  • High-tech diagnostics: 6 months

  • Biomechanical gait analysis: 6 months

  • Proton therapy in paediatric tumours: 8 months

  • Healthcare for HIV/AIDS: 12 months

  • Psychotherapy sessions: 6 months

Up to which age can I take out health insurance?

At DKV, we have the highest age for taking out insurance on the market. You can take out a heath insurance policy until 75 years of age.

 

We also have health insurance with no age limit, such as DKV Famedic Plusan affordable insurance plan with basic coverage, designed for everyone, with no restrictions or age limits.

Physiotherapy, do I need to go to the specialist first?

Yes, before attending physiotherapy sessions, you will first have to go to a specialist in traumatology, neurology, rheumatology or a rehabilitating doctor, who will prescribe the sessions.

How have the psychology sessions been set?

Insurance companies generally set a maximum limit of sessions per insured person per year. At DKV, we offer one of the most extensive limits on the market, providing up to 40 psychology consultations per insured person per year.

Further information

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. Further information

How can I request the GP or paediatrician home service?

With DKV insurance, you can request a home service when, due to the condition of the ill person, going to a consultation or hospital centre is not advisable from a medical point of view. Further information

What is considered a family unit in health insurance?

We understand as a family unit all relatives who live in the same family home and want to be beneficiaries of the insurance.

We also offer you advantages if you take out health insurance for your family: 7% discount if there are 4 insured people, and 12% if there are 5 or more.

We also have family health insurance policies, with DKV Famedic Plus you can include up to 8 family members for the same price.

What does the price of my health insurance depend on?

The price varies according to the type of insurance, age, number of insured persons and place of residence. In addition, you can calculate the price of our health insurance policies below:

 

When does my insurance policy become effective?

The date the policy enters into force or the start date of the insurance policy is when the guarantees covered by the policy become effective. At that time, the customer can start using the insurance coverage.

Can I take out health insurance if I have an illness?

A pre-existing condition is a health condition (e.g. pregnancy), alteration or organic disorder that existed before the time the insurance was taken out or the insured person was included in the policy, regardless of whether there is a medical diagnosis or not, and it is excluded from the cover.

 

You can sometimes pay a premium surcharge, which is an additional amount or complementary premium paid to cover a risk excluded from the general terms and conditions.

How can I change to DKV from another insurance company?

If you have a policy with another company, you will have to fill out the application and health questionnaire to make the change. Due to arriving as a new insured person from another company, any pre-existing conditions and waiting periods shall not be considered, provided that your current health policy has the same (or higher) cover than the one you are going to take out with us. If it has less cover, we shall eliminate the waiting periods in any similar cover, but we shall maintain them in the new cover of the insurance policy taken out. With regard to waiting periods for pregnancy, we shall maintain them.

Can I pay my insurance in instalments?

The insurance can be paid in various ways: monthly, quarterly, half-yearly or annually. In addition, you will benefit from discounts for paying in instalments:

 

  • The monthly payment does not have a discount.

  • 2.8% discount with quarterly payment.

  • 4.6% discount with half-yearly payment.

  • 7% discount with annual payment.

These discounts are for insurance policies of the individual modality.

Does my health insurance provide coverage abroad?

Most DKV health insurance plans include emergency medical coverage abroad. If your policy includes this coverage, you will have up to €30,000 for emergency medical assistance during trips abroad of up to 180 days.

DKV also has reimbursement health insuranceare health insurance policies that you can use to visit any medical centre in the world.

Calculate the price of our health insurance policies here and compare the insurance policies that have medical assistance abroad 

When I give birth, will my child be covered?

Yes, we cover the cot and/or incubator for the newborn during hospital admission up to a maximum of 28 days.

Are childhood vaccines included?

Your comprehensive health insurance includes the administration of vaccinations included in the compulsory child vaccination programme in Spain, at certified associated vaccination centres, where the medication will be borne by the insured person, except when provided for free by the provincial Public Health authorities or similar body in the autonomous community.

Where can I see the affiliated clinics?

When you take out health insurance, the medical directory is the most valuable benefit: having close the centres you need to visit and being able to go to a medical specialist whenever you need it.

At DKV, we have more than 51,000 affiliated professionals and 1,000 affiliated medical centres available throughout Spain. Avoid waiting lists and lengthy paperwork. We offer the professionalism of the most convenient and fastest healthcare, while you choose whatever you need at any time.

You can see all the doctors and centres included at medicos.dkv.es

Calculate your medical directory insurance

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